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PUBLIC DOCUMENT .... .... No. 9. 



FOETY-FIEST ANNUAL EEPOET 



or THE 



Insurance Commissioner 



OF THE 



dfommnnfotaltb flf Ipassatj^sdts, 



January 1, 1896. 



PART I. 

FIRE AND MARINE INSURANCE. 



BOSTON : 
WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 
18 Post Office Square. 
1896. 






APi £4 1896 



• - 



5W V\d 

A r 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, • v 

Another Insurance Spasm, v 

The Business of the Past Year, . . . .<- vii 

COMPANIES AUTHORIZED DURING 1895, Viii 

Companies withdrawn during 1895, . . viii 

The Work of the Fire Marshal, . ix 

What Should be Attempted in Supervision, x 

The National Convention of Insurance Officials, x 

Finances of the Department, xiii 

Comparative Tables, xv 

Massachusetts Mutual Fire Insurance Companies : 

Comparative Table A, xvii 

Massachusetts Mutual Fire-Marine Insurance Companies: 

Comparative Table B, xvii 

Massachusetts Joint-Stock Insurance Companies : 

Comparative Table C, xviii 

Insurance Companies of Other States : 

Comparative Table D, xix 

United States Branches of Foreign Insurance Companies : 

Comparative Table E, xx 

Aggregates of all the Companies, xxi 

Massachusetts Business : 

Comparative Table F, xxii 

Comparative Ratios, xxii 

Table G. — Fire risks written, premiums received and losses incurred in 

Massachusetts, xxiii 

Statistical Tables, xxv 

Massachusetts Mutual Fire Insurance Companies : 

Table I. — Risks, assets, liabilities and surplus, xxvi 

Table II. — Gross cash income and expenditures, premiums, losses and 

expenses, xxviii 



IV TABLE OF CONTENTS. 

Massachusetts Mutual Marine Insurance Companies : page 

Table III. — Guaranty fund, scrip, risks, assets, liabilities and surplus, . xxx 
Table IV. — Gross cash income and expenditures, premiums, losses and 

expenses, xxx 

Massachusetts Joint-Stock Insurance Companies : 

Table V. — Cash capital, risks, assets, liabilities and surplus, . . . xxxi 
Table VI. — Risks written, premiums received and losses paid, . . . xxxii 
Table VII. — Gross cash income and expenditures, expenses and divi- 
dends, xxxiii 

Insurance Companies of Other States: 

Table VIII. — Cash capital, risks, assets, liabilities and surplus, . . xxxiv 
Table IX. — Risks written, premiums received and losses paid, . . xxxix 
Table X. — Gross cash income and expenditures, expenses and divi- 
dends, xliv 

United States Branches : 

Table XI. — Showing deposits, etc., xlix 

Table XII ! — Business of 1895, . li 

Massachusetts Business in Detail : 

Table XIII, liii 

Table XI V. — Receipts and expenditures of the insurance department, . Ivii' 

Statistics of Fires in Massachusetts (See Appendix) : 

Table I. — Fire losses in Massachusetts during the year, .... 461 

Table II. — Property, fires, insurance, loss, etc. 465 

Table III. — Comparison of fires for eighteen years, . 470 

Table IV. — Fires classified by months, 472 

Table V. — Causes of fires, 475 

Table VI. — Summary, 482 

Table VIL — Fires by months for eighteen years, 484 

DETAILED STATEMENTS. 

Massachusetts Mutual Fire Companies, ........ 1 

Massachusetts Mutual Marine Companies, 107 

Massachusetts Joint-Stock Fire, Marine and Fire-Marine Companies, . . 113 

Fire, Marine and Fire-Marine Insurance Companies of Other States, ... * 135 

United States Branches of Foreign Companies, 360 

Appendix, . " 435 



Commmtfocaltjj of Utassat^usrits. 



Insi-rance Department, Boston, April 8, 1896. 

To the Honorable the Senate and. House of Representatives. 

In compliance with the provisions of law, herewith is sub- 
mitted Part I., relating to fire and marine insurance, of the 
forty-first annual report of this Department. 

The companies now transacting business in Massachusetts 
are classified as follows : — 

Massachusetts mutual fire, 60 

Massachusetts mutual marine, ...... 3 

Massachusetts joint stock, ....... 7 

Other States, ...... . 79 

United States branches of foreign companies, ... 32 

Total, 181 

Another Insurance Spasm. 

There occurs periodically, in all classes of society, certain 
" isms " or fads which, like the ignis fatuus, allure people until 
they are lost in the swamp of despondency or bankruptcy. 
The field of insurance has not escaped. A few years ago the 
endowment fire-fly flitted through the air, and in the mad race 
for gain thousands of deluded people found to their cost that 
it was but a shadow ; and this will 'o the wisp led them such a 
hurried chase that they refused to observe the danger signal 
set up by this Department, and not until the strong arm of the 
law interposed was their career checked. 

The temptation for a quick fortune has again been embraced 
in the formation of mutual fire insurance companies. Corpora- 
tions have been organized and hardly had the breath of cor- 
porative existence been put into the body ere it became the 



VI REPORT OF THE 

prey of those who looked solely for the benefit of their own 
pockets. Risks were taken without any regard to the hazard, 
either moral or otherwise ; anything that yielded a premium 
necessarily carried with it a commission which was conveyed 
immediately to the pockets of the managers. Western fields 
were sought, not by regularly applying for admission through 
legitimate channels, but by pecuniary inducements to agents 
who were only too eager to use the corporations as a slop 
bucket into which they could empty refuse risks, and when the 
inevitable losses came and assessments on policy-holders were 
levied, not on account of losses incurred at home - — for in nearly 
every instance the business in Massachusetts has been remune- 
rative — but in States where the corporations had no legal ex- 
istence, then the citizens of this State had to bear the burden. 
The Commonwealth Mutual Fire Insurance Company furnishes 
a conspicuous instance : starting in business in December, 
1893, it found itself at the close of one year with a balance 
against it of $74,098.29, and in May, 1895, it was in the 
hands of a receiver. Attempts to collect assessments with 
which to settle demands for losses, met with resistance, and 
hearings, prolonged and arduous, before an auditor, whose 
final report to the court that an assessment of $250,000 be 
levied, was ratified by the judicial tribunal. 

The good name of our old Massachusetts mutuals has been 
dragged in the mire by the actions of some of the new irrespon- 
sible brood, and the record of years heretofore enjoyed by them 
is smirched and blackened thereby. 

Some of the projectors of these new mutuals have considered 
their name and reputation as of more consequence than sudden 
riches and have continued business conservatively or closed up 
in an honorable manner while in a solvent condition. It is to 
be hoped that the lessons learned by bitter experience will not 
have been without some good results for the future. 

During the year the following companies have, as indicated, 
retired from business : — 

Wellfleet Marine, Wellfleet, voluntarily closed. 

Suffolk Mutual Fire, upon petition of the Insurance Commis- 
sioner, placed in the hands of James C. Davis, 65 Mason Build- 
ing, Boston, as receiver. 

Commonwealth Mutual Fire, upon petition of the Insurance 



INSURANCE COMMISSIONER. Vll 

Commissioner, placed in the hands of William B. Stevens, 209 
Washington Street, Boston, as receiver. 

[Receiver reports that he has received $13,765.25, including $ 2,260 
now subject to attachment which will probably be dissolved; that 
the liability as known is $93,248.71 ; that the auditor has recom- 
mended and the court confirmed an assessment of $250,000.] 
Patrons Mutual Fire, upon petition of the Insurance Com- 
missioner, placed in the hands of Robert H. Leland, 209 
Washington Street, Boston, as receiver. 

Melrose Mutual Fire, upon petition of the Insurance Com- 
missioner, placed in the hands of Alpheus Sanford, 70 Kilby 
Street, Boston, as receiver. 

Bay State Mutual Fire, upon petition of the Insurance Com- 
missioner, placed in the hands of Herbert Parker of Worcester 
as receiver. 

[Receiver is not yet able to give any definite statement as to the con- 
dition of the affairs of the company.] 
Colonial Mutual Fire, upon petition of the Insurance Com- 
missioner, placed in the hands of W. O. Underwood, 50 State 
Street, Boston, as receiver. 

[The receiver reports, under date of April 4, 1896, that he has received 
assets of $14,898.71, upon $6,000 of which there is an attachment 
which will probably be dissolved. The indebtedness of the com- 
pany so far as known, taking face value of claims, is $18,973.64. 
Two additional claims, amounting to $2,520.04, have been rejected 
because the loss occurred subsequent to appointment of receiver. 
There are also some small claims in various States for taxes.] 
First National Fire, reinsured in National of Hartford. 
Tremont Mutual Fire, reinsured in the Globe Fire of New 
York. 

The Business of the Past Year. 

In the matter of fire insurance the risks written during the 
past year aggregated a larger amount, with a single exception, 
than during any one of the last twenty-five years, and the pre- 
miums received by the foreign and domestic companies within 
the Commonwealth were the largest ever known. The losses 
by fire were below the average of the last quarter of a century 
and in proportion to the premiums received the smallest during 
this entire period. Our own companies still continue, as the 
tables show, to suffer at the expense of those of other States 
and countries. 



Vlll 



REPORT OF THE 



The changes since the last report, in companies authorized to 
transact business in the Commonwealth, are as follows : — 

Companies authorized during the Year. 



NAME OF COMPANY. 


Location. 


Date of authority. 


Continental Mutual, . 




Boston, .... 


January 


4. 


Traders (re-admitted), 




Chicago, 111., . 


March 


15. 


Lumber Mutual, 




Boston, .... 


March 


27. 


Central Mutual, . 




Boston, .... 


May 


13. 


Commercial Union, . 




New York, N. Y., . 


July 


26. 


Eagle Mutual, . 




Boston, .... 


July 


27. 


Commerce Mutual, . 




Boston, .... 


August 


21. 


Norwood, . , 




New York, N. Y., . 


October 


7. 


Armenia, . 




Pittsburgh, Pa., 


October 


22. 


Assurance Lloyds of America, . 


New York, N. Y., . 


December 


5. 


Norwalk, 


Norwalk, Conn., . 


December 


9. 



Companies withdrawn during the Year. 



NAME OF COMPANY. 


Location. 


Date. 


Remarks. 


Wellfleet Marine, . 
Suffolk Mutual, 
First National, 
Commonwealth Mutual, . 
Patrons Mutual, 
Melrose Mutual, 
Tremont Mutual, 
Bay State Mutual, . 
Colonial Mutual, 


Wellfleet, . 

Boston, 

Worcester, 

Boston, 

Worcester, 

Boston, 

Boston, 

Gardner, . 

Boston, 


Feb. 12, 
Mar. 22, 
April 16, 
May 28, 
Nov. 14, 
Nov. 26, 
Dec. 4, 
Dec. 28, 
Dec. 23, 


Stockholders voted to 

dissolve. 
Receiver appointed. 

Re-insured in National 

Hartford. 
Receiver appointed. 

Receiver appointed. 

Receiver appointed. 

Re-insured in Globe of 

New York. 
Receiver appointed. 

Receiver appointed. 



insurance commissioner. ix 

The Work of the Fire Marshal. 

In the Appendix to this report is presented the annual state- 
ment of Fire Marshal Whitcomb, and the result of the work 
accomplished in that office abundantly justifies the wisdom of 
the Legislature in creating that bureau, and fully authorizes a 
cordial and generous appropriation for its maintenance. One of 
the most serious evils in connection with the protection of the 
individual property holder against loss by fire is that of the 
torch of the incendiary. Under the existing statute the Fire 
Marshal, through his aids in the various parts of the Common- 
wealth, promptly investigates the origin and cause of every fire, 
and in each case where the same is believed to have been 
caused by an incendiary, the aid of the courts is invoked for 
the prosecution of the offender. 

The marshal is unquestionably correct in his expression of 
opinion that to a very considerable degree incendiarism grows 
out of over-insurance. In a report a few years ago to this 
Department, in relation to the causes of fires, one town clerk 
said that the cause of a fire reported was undoubtedly " friction 
caused by a very small stock of goods rubbing up against a 
very large insurance policy." The statute at present provides 
for a penalty against any company or agent effecting insurance 
upon property for a larger amount than the value of the same. 
This clearly ought to be enlarged so as to make it a criminal 
offence with a very much heavier penalty than at present pro- 
vided. Hold the agent criminally responsible for any over- 
insurance and a large proportion of the difficulty experienced 
and the suffering by the companies would be at once remedied. 
It is very significant, as is shown by the figures in the fire 
marshal's report, that since the establishment of that office, the 
confessions and convictions for causing incendiary fires have 
increased fully 300 per cent. Let it become fully understood 
that a department authorized by the Commonwealth, fully 
equipped for its work, has throughout the borders of Massa- 
chusetts its officials watching and investigating every fire, ready 
in case of suspicion of incendiarism to present the facts to the 
courts and to pursue the offender, and there is absolutely cer- 
tain to result a very large diminution in the number of fires 
from this source. Every thousand dollars thus saved is so 



X REPORT OF THE 

much money retained in property value to the citizens of the 
Commonwealth, and the Commissioner desires to express his 
cordial and hearty appreciation of the successful work of the 
fire marshal's office during the past year, and his belief that the 
worth of this bureau to the people of Massachusetts is annually 
in actual cash, many dollars for every one expended thereon. 

What should be Attempted in Supervision. 

In so far as the business of insurance proceeds upon plans 
which from the inherent nature of the undertakings must be 
technical and complicated beyond what is usual in ordinary 
commercial transactions, the Commonwealth ought to take 
consideration and regulation of the business. To such extent 
as the public is not able to understand and protect itself it is 
the duty of the Commonwealth to guard it against the chances 
of imposition and fraud. No further than this, either as 
respects the general methods of the business nor in its police 
regulations, is there justification for official interference any 
more than in any other commercial enterprise. As for in- 
stance, in savings banks and trust companies, reasonable 
regulations having been made as to the character of invest- 
ments, and the disposition of the earnings, the business is then 
left substantially to the chances of competition. So in its 
purely financial aspects, aside from the scope of its techni- 
calities, should the business of insurance be left unvexed by 
unnecessary restrictions. 

The National Convention of Insurance Officials. 

The years immediately following the close of the war were 
prolific of new business enterprises, — speculative and other- 
wise, — and among them various forms of insurance were 
promoted with great activity. Closely touching upon almost 
every kind of business, insurance soon came to be the subject 
of legislative notice and regulation. Its true principles being 
little known, the laws controlling it were quite naturally 
enacted rather to fit local and fortuitous conditions than with 
a view to the larger and equitable relations of the insurance 
system to the great and permanent interests of the whole com- 



INSURANCE COMMISSIONER. XI 

munity. New bureaus and departments for the administration 
of these laws were created in most of the States, and, naturally, 
with new laws touching a comparatively new and intricate 
subject, and new and generally inexperienced commissioners 
to execute them, it may readily be imagined that the com- 
panies soon found themselves in a maze of perplexities under 
so many and varied and often inconsistent requirements. The 
compliance with such a variety of often inconsistent laws, 
especially in respect to financial and business statements, 
became almost as great a burden to the companies as the 
conduct of their proper regular business, and they petitioned 
earnestly for relief. Professing always to be ready to give 
every item of information required, if only the commissioners 
could agree upon what such should be, so that a report or 
statement once made, copies of the same might practically 
serve for all. 

With a view to the amelioration of this justly complained of 
burden, a meeting of the various State insurance officials was 
brought about in 1871, and such meetings have been held 
annually ever since. 

The whole object and purpose of the early conventions of 
the commissioners and superintendents was consultation, dis- 
cussion and the ascertaining of all possible facts in relation to 
the business and the best and clearest methods of presenting 
the operations and conditions of the companies to the public, 
as well as gaining the best suggestions for their respective 
legislatures for the enlightenment and improvement of their 
laws ; and in such cases as discretion was left with the com- 
missioners under their laws, to agree as nearly as possible upon 
some uniform methods for the convenience of all. 

It was a body composed of wholly independent officials, met 
for informal, unofficial consultation and inquiry, — each seeking 
to gain information and advice so as best to enable him to 
administer his own laws, primarily in the interests of his own 
people and State, and incidentally to the best welfare of the 
whole community. A careful perusal of the records of the 
first convention shows that no one of the participants imagined 
that he was by his attendance binding himself to abide by the 
opinions or views of the majority or all of the rest in any case 
whatever unless it coincided with the statute of his State, his 



XU REPORT OF THE 

own judgment and by his own expressed consent. If it had 
been understood at the outset that everyone who should accept 
the invitation to such meeting would thereby bind himself to 
obey any and every rule for the conduct of his official duties 
which the majority might adopt, it goes without saying that 
there would have been no first meeting of the State insurance 
officials. 

The conventions were composed of men in earnest and sin- 
cere quest of the best light for their official guidance, with no 
wish but for the interest and convenience of their individual 
duties and a willingness to communicate freely such informa- 
tion and experience as they had for the aid of their neighbors. 
Their conferences were therefore of immense value and profit 
to themselves in an educational way and directly and neces- 
sarily a great convenience resulted to the companies in a large 
approach to uniformity of requirements by the various States. 
From these early meetings and their influences there soon 
appeared a very appreciable advance toward similarity of laws 
and simplicity of department methods, all of which were a 
great advantage to the general interests of the people and a 
lessening of cost and labor to the companies. 

But in later years this important point has been partially 
lost sight of, and ignoring the absolute independence of the 
State laws and State officials of each and all others, the con- 
vention seems in a degree to have drifted into some sort of a 
putative legislative assembly, and in the opinion of some of 
the members it goes that whatever the majority shall decide 
must bind the others and all, just as if they were representa- 
tives of one State or constituency and charged with the duty 
of agreeing upon some single line of conduct instead of being, 
as they should be, simply visitors from each of the States, met 
to talk over and exchange views and experiences for the inci- 
dental advantage of each, with no binding power whatsoever 
upon the action of any other. The Commissioner for this Com- 
monwealth feels impelled to officially emphasize his opinion as 
to the power and purposes of this convention, so far as con- 
trolling his judgment upon matters in which the statutes direct 
his action or leave it to his discretion. 



INSURANCE COMMISSIONER. Xlll 

Finances of the Department. 

The income of the Department for the year 1895 was 
$57,191.86, as shown in detail by Table XIV. The reduction 
by fifty per cent, in the valuation fee, applied for the first time 
to the receipts of last year, made a decrease of nearly $11,000 
in the net results. The surplus revenue accruing to the Com- 
monwealth above the entire expenditures of the Insurance 
Department was $23,418.20. 

Respectfully submitted, 

GEORGE S. MERRILL, 

Insurance Commissioner, 



COMPARATIVE TABLES. 



Comparative Table A. — Massachusetts Mutual Fire Insurance 

Companies. 





1894.* 


1895.f 


Increase or 
Decrease in 1895. 


Assets (including contingent), 


$36,140,266 


$35,083,863 


—$1,056,403 


Liabilities, . 


5,759,970 


5,822,664 


62,694 


Cash surplus, .... 


5,028,752 


4,544,500 


—484,252 


Income, 


6,275,391 


6,037,980 


—237,411 


Expenditures, 


5,753,149 


6,055,176 


302,027 


Risks written, 


602,324,896 


567,419,209 


—34,905,687 


Net premiums received, 


5,739,745 


5,523,716 


—216,029 


Risks outstanding, . 


877,687,858 


860,567,630 


—17,120,228 


Losses paid, .... 


1,750,915 


1,894,990 


144,075 


Losses incurred, 


1,492,096 


2,219,625 


727,529 


Assessments collected, . 


32,103 


28,428 


—3,675 


Profits returned, 


2,827,651 


3,122,764 


295,113 


Expenses, . 


1,098,908 


1,016,949 


—81,959 


* Sixty-two companies. 




t Sixty con 


ipanies. 



Comparative Table B. —Massachusetts Mutual Fire- Marine 
Insurance Companies. 



1894.* 



1895.* 



Increase or 
Decrease in 1895. 



Assets, . . 

Liabilities, 

Surplus, . 

Income, . 

Expenditures, 

Risks written, 

Net premiums received, 

Losses paid, . 

Losses incurred, 

Risks outstanding, . 

Expenses, 

Scrip dividends declared 

Scrip redeemed, 

Scrip outstanding, . 



$447,277 

133,209 

314,068 

272,500 

213,090 

14,255,590 

204,039 

169,442 

127,529 

3,846,557 

43,648 



662,362 



$527,269 

197,268 

330,001 

224,884 

217,303 

19,501,226 

215,895 

146,742 

155,455 

7,510,029 

54,678 



656,561 



$79,992 
64,059 
15,933 

—47,616 
4,213 

5,245,636 
11,856 

—22,702 
27,926 

3,663,472 
11,030 



—5,801 



* Two companies. 



XV111 



REPORT OF THE 



Comparative Table C. — Massachusetts Joint-Stock Insurance 

Companies. 





1894.* 


1895-f 


Increase or 
Decrease in 1S95. 


Cash capital, .'••.. 


$4,150,000 


$3,850,000 


—$300,000 


Assets, 


9,329,492 


9,199,631 


—129,861 


Liabilities, .... 


3,091,987 


3,123,266 


31,279 


Surplus, ..... 


6,237,505 


6,076,365 


—161,140 


Income, ..... 


4,215,019 


3,998,116 


—216,903 


Expenditures, 


3,809,936 


3,604,608 


—205,328 


Fire risks written, . 


234,102,235 


252,641,696 


18,539,461 


Fire premiums received (net), 


2,643,021 


2,725,081 


82,060 


Marine risks written, . 


58,716,628 


60,101,703 


1,385,075 


Marine premiums rec 1 d (net), 


1,205,873 


921,336 


—284,537 


Fire losses paid, . 


1,704,614 


1,441,548 


—263,066 


Marine losses paid, 


676,366 


744,897 


68,531 


Fire losses incurred, 


1,548,192 


1,442,341 


— 105,851 


Marine losses incurred, 


751,195 


820,730 


69,535 


Fire risks outstanding, . 


346,534,601 


380,869,241 


34,334,640 


Marine risks outstanding, 


10,332,386 


9,677,901 


—654,485 


Expenses, .... 


1,106,830 


1,080,871 


—25,959 


Cash dividends declared, 


322,125 


337,500 


15,375 


* Nine companies. 




t Seven com 


parries. 



INSURANCE COMMISSIONER. 



XIX 



Comparative Table D. — Fire and Marine Insurance Companies 

of Other States. 





1894.» 


1895. t 


Increase or 
Decrease in 1895. 


Cash capital, .... 


$40,629,601 


$41,970,025 


$1,340,424 


Assets, 


165,529,697 


175,967,934 


10,438,237 


Liabilities, .... 


81,749,197 


83,625,162 


1,875,965 


Surplus, . . . 


83,780,500 


92,342,772 


8,562,272 


Income, 


87,585,334 


88,601,833 


1,016,499 


Expenditures, 


82,502,817 


80,733,064 


—1,769,753 


Fire risks written, . 


8,286,510,862 


8,611,213,660 


324,702,798 


Fire premiums received (net), 


73,616,858 


75,109,899 


1,493,041 


Marine risks written, . 


1,373,218,992 


1,349,401,454 


—23,817,538 


Marine premiums rec'd (net), 


6,728,536 


5,946,440 


—782,096 


Fire losses paid, . 


44,196,572 


41,095,902 


—3,100,670 


Marine losses paid, 


4,314,714 


4,548,683 


233,969 


Fire losses incurred, 


40,912,124 


40,565,562 


=-346,562 


Marine losses incurred, . 


4,698,501 


4,837,129 


138,628 


Fire risks outstanding, . 


10,570,078,225 


11,382,987,550 


812,909,325 


Marine risks outstanding, 


165,756,303 


181,592,967 


15,836,664 


Expenses, .... 


27,392,315 


28,786,727 


1,394,412 


Cash dividends declared. 


4,637,623 


4,915,425 


277,802 



* Seventy-four companies. 



t Seventy -nine companies. 



XX 



REPORT OF THE 



Comparative Table E. — United States Branches of Foreign Com- 
panies. 





1894.* 


18954 


Increase or 
Decrease in 1895. 


Deposit capital, 


$7,300,000 


$7,300,000 


- 


Assets in United States, 


55,160,385 


58,013,635 


$2,853,250 


Liabilities in United States, . 


37,098,836 


37,789,529 


690,693 


Surplus, 


18,061,549 


20,224,106 


2,162,557 


Income, . 


46,521,963 


46,868,292 


346,329 


Expenditures, 


41,002,095 


40,449,791 


—552,304 


Fire risks written, . 


4,945,013,570 


5,169,560,329 


214,546,759 


Fire premiums received (net), 


41,114,393 


41,013,820 


—100,573 


Marine risks written, . 


952,038,622 


1,363,158,387 


411,119,765 


Marine premiums rec'd (net), 


3,423,123 


3,788,212 


365,089 


Fire losses paid, . . 


25,156,390 


23,404,845 


—1,751,545 


Marine losses paid, 


1,672,491 


2,412,426 


739,935 


Fire losses incurred, 


24,359,095 


22,555,166 


—1,793,929 


Marine losses incurred, . 


1,630,343 


2,619,129 


988,786 


Fire risks outstanding, . 


5,650,638,897 


5,835,923,975 


185,285,078 


Marine risks outstanding, 


58,112,920 


77,945,625 


19,832,705 


Expenses, .... 


14,173,2.13 


14,612,519 


439,306 



* Thirty-three companies. 



f Thirty-two companies. 



INSURANCE COMMISSIONER. 



XXI 



Aggregates of all the Companies. 





1894. 


1895. 


Increase or 
Decrease in 1895. 


Cash capital, . . . 


$52,079,601 


$53,120,025 


$1,040,424 


Assets (including contingent 
of mutual companies), 


266,607,117 


278,792,332 


12,185,215 


Liabilities, .... 


127,833,199 


130,557,889 


2,724,690 


Surplus, 


113,422,374 


123,517,744 


10,095,370 


Income, 


144,870,107 


145,731,105 


860,998 


Expenditures, 


133,281,087 


131,059,942 


—2,221,145 


Fire risks written, . 


14,067,951,563 


14,593,403,355 


525,451,792 


Fire premiums received (net), 


123,318,056 


124,399,915 


1,081,859 


Marine risks written, 


2,398,229,832 


2,789,594,309 


391,364,477 


Marine premiums rec 1 d (net), 


11,561,571 


10,844,484 


—717,087 


Fire losses paid, 


72,808,491 


67,841,860 


—4,966,631 


Marine losses paid, 


6,833,013 


7,848,173 


1,015,160 


Fire losses incurred, , 


65,814,614 


66,789,497 


974,883 


Marine losses incurred, . 


10,204,461 


8,425,640 


—1,778,821 


Fire risks outstanding, . 


17,444,939,581 


18,462,445,077 


1,017,505,496 


Marine risks outstanding, 


238,048,166 


274,629,841 


36,581,675 


Expenses, .... 


43,814,914 


45,551,744 


1,736,830 


Cash dividends declared, 


4,961,748 


5,252,925 


291,177 



XX11 



REPORT OF THE 



Comparative Table F. — Massachusetts Business * 





1894. 


1895. 


Increase or 
Decrease in 1895. 


Fire risks written, . 


$986,624,142 


$1,020,680,686 


$34,056,544 


Fire premiums received, 


10,518,365 


11,032,012 


513,647 


Fire losses paid, . 


5,588,289 


4,165,155 


—1,423,134 


Fire losses incurred, 


5,182,490 


4,029,954 


—1,152,536 


Marine risks written, . 


237,436,404 


314,537,634 


77,101,230 


Marine premiums received, . 


1,670,982 


1,832,799 


161,817 


Marine losses paid, 


1,115,948 


1,240,130 


124,182 


Marine losses incurred, . 


1,021,640 


1,211,101 


189,461 



* For details of this business see Table XIII. 



Comparative Eatios of Table F. 





1894. 


1895. 


Increase 

or Decrease 

in 1895. 


Fire premiums received to risks written, . 


1.07 


1.08 


.93 


Fire losses incurred to risks written, 


.53 


.39 


—26.42 


Fire losses incurred to premiums received, 


49.27 


36.53 


—25.86 


Marine premiums received to risks written, . 


.70 


.58 


—17.14 


Marine losses incurred to risks written, . 


.42 


.39 


—7.14 


Marine losses incurred to premiums received, . 


61.17 


66.08 


8.04 



INSURANCE COMMISSIONER. 



XX 111 



Table G. — Fire Risks written, Premiums received and Losses 

incurred in Massachusetts. 





Fire Kisks Written. 


Premiums 
Received. 


Losses Incurred. 


Ratio 


OF — 


Year. 


Premiums 

Received to 

Risks Written. 


Losses 

Incurred to 

Risks Written. 


1873, . 


1858,393,129 


$10,358,024 


$5,184,364 


1.21 


.60 


1874, . 


655,056,069 


8,253,755 


3,676,063 


1.26 


.56 


1875, . 


597,478,409 


7,232,486 


3,221,943 


1.21 


.54 


1876, . 


528,211,058 


5,974,268 


2,738,180 


1.13 


.52 


1877, . 


585,928,271 


5,998,124 


2,572,185 


1.02 


.44 


1878, . 


558,019,711 


5,506,392 


2,438,121 


.99 


.44 


1879, . 


520,814,369 


5,026,482 


2,500,451 


.96 


.48 


1880, . 


609,132,542 


5,479,552 


3,055,273 


.90 


.50 


1881, . 


642,542,633 


5,845,354 


2,884,047 


.91 


.45 


1882, . 


686,030,272 


6,244,053 


4,915,949 


.91 


.72 


1883, . 


710,197,514 


6,896,367 


3,763,949 


.97 


.53 


1884, . 


655,613,160 


7,067,149 


3,865,956 


1.08 


.59 


1885, . 


661,380,951 


7,402,583 


3,132,235 


1.12 


.47 


1886, . 


694,473,662 


7,838,425 


3,369,294 


1.13 


.49 


1887, . 


765,304,046 


8,371,714 


3,136,774 


1.09 


.41 


1888, . 


832,038,483 


8,702,006 


4,444,322 


1.05 


.53 


1889, . 


825,962,689 


8,601,963 


9,284,464 


1.04 


1.12 


1890, . 


871,117,341 


9,039,865 


3,798,502 


1.04 


.44 


1891, . 


863,343,089 


8,719,803 


5,104,694 


1.01 


.59 


1892, . 


960,872,674 


10,006,986 


4,140,396 


1.04 


.43 


1893, . 


1,030,196,564 


10,727,167 


8,329,015 


1.04 


.81 


1894, . 


986,624,142 


10,518,365 


5,182,490 


1.07 


.53 


1895, . 


1,020,680,686 


11,032,012 


4,029,954 


1.08 


.39 


Totals, 


$17,119,411,464 


$180,842,895 


$94,768,621 


1.05 


.55 



STATISTICAL TABLES. 



XXVI 



REPORT OF THE 



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XXV11 



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INSURANCE COMMISSIONER. 



liii 



Table XIII. — Massachusetts Business for 1895. 
Massachusetts Mutual Fire Companies. 





Risks 


Premiums 


Contingent 


Losses 


Losses 


NAME OF COMPANY. 


Written. 


Received. 


Assets. 


Paid. 


Incurred. 


Abington 


$2,717,990 


$39^20 


$39,820 


$12,614 


$14,995 


Annisquam, .... 


91,250 


- 


6,029 


- 


- 


Arkwright 


42,075,685 


334,099 


1,670,492 


34,946 


36,207 


Aehfield 


6,931 


35 


208 


425 


425 


Atlas, 


2,414,800 


34,767 


104,302 


6,889 


6,889 


Attleborough, 


415,518 


2,356 


23,096 


788 


788 


Barnstable County, 


2,223,665 


38,440 


115,319 


4,154 


3,603 


Berkshire, .... 


2,472,011 


33,973 


33,972 


18,629 


18,629 


Boston Manufacturers,' 


49,109,869 


394,775 


1,973,873 


48,794 


49,937 


Bristol County, 


663,730 


4,454 


44,536 


497 


497 


Cambridge, .... 


4,684,837 


73,573 


73,573 


20,360 


26,360 


Central, 


1,562,926 


13,241 


39,723 


- 


248 


Citizens', .... 


6,187,447 


83,119 


83,119 


20,505 


19,620 


Cohasset, .... 


67,640 


1,048 


3,145 


291 


776 


Commerce, .... 


983,430 


8,413 


25,240 


- 


1,302 


Continental, .... 


937,219 


13,542 


40,626 


788 


2,062 


Cotton and "Woolen, 


4,690,445 


43,161 


215,804 


8,254 


8,270 


Dedham, . 


1,771,728 


27,872 


27,872 


10,311 


11,259 


Dorchester, .... 


10,978,152 


164,370 


164,370 


61,636 


60,136 


Eagle 


945,986 


9,024 


27,072 


- 


650 


Eastern, 


826,363 


17,855 


53,566 


10,358 


6,518 


Essex 


2,048,230 


24,621 


24,621 


12,660 


14,311 


Excelsior, .... 


1,079,908 


16,199 


48,596 


10,164 


13,992 


Fall River, . . . . 


16,625,468 


136,812 


684,058 


24,390 


24,570 


Fitchburg, .... 


4,961,054 


72,609 


72,609 


52,013 


55,369 


Franklin, .... 


1,304,478 


19,094 


19,094 


13,286 


20,923 


Groveland 


408,077 


- 


29,156 


1,608 


1,608 


Hampshire 


802,992 


11,372 


11,372 


5,403 


5,403 


Hingham, .... 


4,814,324 


71,443 


71,443 


42,012 


43,472 


Holyoke, . . 


9,147,193 


137,695 


137,695 


49,201 


50,508 


Industrial, . 


2,987,271 


26,032 


130,162 


6,590 


6,590 


Lowell 


2,048,797 


33,276 


33,276 


6,800 


7,300 


Lumber 


672,901 


14,040 


42,120 


1,066 


1,066 


Lynn 


458,520 


6,314 


12,627 


1,711 


1,733 


Merchants' and Farmers', 


5,080,839 


78,230 


78,230 


30,284 


33,653 


Merrimack, . . . . 


7,708,728 


120,275 


465,658 


35,740 


37,843 


Middlesex, . 


9,953,140 


148,639 


148,639 


52,736 


52,650 


Milford, 


812,255 


11,194 


11,194 


7,016 


6,103 


Mutual Fire Assurance, 


1,096,075 


17,175 


17,175 


637 


637 


Mutual Protection, 


656,592 


10,226 


10,226 


1,261 


1,261 


Newburyport, 


116,060 


1,519 


6,075 


30 


30 


New England, 


914,910 


18,382 


55,146 


4,520 


5,345 


Norfolk, ' 


4,393,514 


63,349 


63,349 


22,674 


20,856 


Old Colony 


406,382 


7,567 


22,701 


3,926 


4,626 


Paper Mill 


2,657,665 


25,282 


126,411 


3,853 


3,853 


Quincy 


7,531,988 


110,199 


110,199 


35,084 


38,059 


Rubber Manufacturers', 


4,098,928 


37,541 


187,703 


7,665 


7,665 


Salem 


1,316,359 


21,499 


21,499 


3,265 


3,291 


Salisbury and Amesbury, 


20,560 


169 


1,694 


- 


- 


Saugus 


971,550 


- 


119,091 


2,992 


2,992 


South Dan vers, 


153,700 


3,214 


9,642 


1,241 


1,241 


Standard, . . . . 


1,080,443 


14,570 


14,570 


3,400 


3,400 


Traders' and Mechanics', 


9,395,031 


147,065 


147,065 


53,357 


54,973 


Wachusett, 


843,530 


12,243 


36,729 


9,990 


6,673 


Western Massachusetts, 


196,414 


2,355 


7,065 


1,265 


5,923 


Westford, . 


73,535 


596 


1,788 


_ 


- 


West Newbury, 


231,500 


- 


13,311 


2,694 


2,694 


Worcester Manufacturers', . 


16,665,118 


135,733 


678,666 


2,824 


15,703 


Worcester Mutual, 


9,129,305 


126,038 


126,038 


37,890 


41,451 


Totals, . 


$268,690,956 


$3,020,-504 


$8,562,450 


$811,487 


$866,938 



liv 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1895 — Continued. 



Massachusetts Mutual Fire-Marine Companies. 
Fire Business. 



NAME OP COMPANY. 

• 


Risks 
Written. 


Premiums 
Received. 


Losses 
Paid. 


Losses 
Incurred. 




$1,177,241 


$16,594 


$2,479 


$3,135 



Marine Business. 



China Mutual, 
India Mutual, , 

Totals, 



$16,130,862 



$16,130,862 



$303,765 



$303,765 



$146,746 
2,930 



$149,676 



$139,344 
5,408 



$144,752 



Massachusetts Stock Companies. 
Fire Business. 



American 

Firemen's Fire, 
Mercantile Fire and Marine, , 
North American, . 
Springfield Fire and Marine, 

Totals, . 



$5,743,907 

8,720,211 

7,099,243 

13,686,196 

17,563,176 



$52,812,733 



$49,979 

74,756 

60,483 

113,324 

176,997 



$475,539 



$25,217 
20,474 
14,251 
48,483 
65,593 



$19,872 
18,572 
14,879 
37,712 
62,898 



$174,018 $153,933 



Marine Business. 



Boston Marine, 
Equitable Marine, . 
Mercantile Fire and Marine, 

Totals, . 



$33,097,564 

629,751 

1,594,255 



$35,321,570 



$526,819 

35,682 

2,156 



$564,657 



$445,677 

26,943 

296 



$472,916 



$463,597 

32,743 

296 



$496,636 



INSURANCE COMMISSIONER. 



lv 



Table XIII. — Massachusetts Business for 1895 — Continued. 

Companies of Other States. 

Fire Business. 



name of company. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



^Etna, 

Agricultural, 

Albany, 

American (Newark), 

American Central, .... 

American Fire (New York), 
American Fire (Philadelphia), 

Armenia, 

Assurance Lloyds, .... 
Buffalo German, .... 

Capital Fire, 

Citizens' (New York), . 
Citizens' (St. Louis), 

Commerce, 

Commercial Union Fire, 

Commonwealth, .... 
Concordia, . . . 

Connecticut Fire 

Continental, 

Delaware ' . 

Detroit Fire and Marine, 
Equitable Fire and Marine, . 

Farragut, 

Fire Association of Philadelphia, 
Fire Insurance Co., County of Phila., 

Fireman's Fund 

Firemen's (Newark), ... 
Franklin Fire, . 
German-American, . 
Germania, 

Girard Fire and Marine, 

Glen's Falls 

Globe Fire, 

Granite State, . . 

Greenwich 

Hanover 

Hartford, 

Home 

Insurance Co. of North America, 
Insurance Co., State of Pennsylvania, 

Lumbermen's, 

Mechanics', . . . . . 
Merchants' (Newark), . . . 
Merchants' (Providence), 
Michigan Fire and Marine, . 

Middlesex Mutual, .... 
Milwaukee Mechanics', . 

Mutual Fire, 

National, 

Newark Fire, 

New Hampshire, .... 

New York, 

Niagara, 

Northwestern National, 
Norwalk, 

Norwood, . . . . . . 

Orient, 



$26,876,888 

10,116,000 

1,639,434 

3,015,091 

1,295,511 

8,079,894 

7,547,152 

660,810 

459,037 

2,081,400 

3,465,329 

2,589,826 
695,746 

1,128,971 
380,000 

2,936,414 

584,985 

9,959,400 

13,680,335 

5,002,267 

961,673 
4,663,412 

312,478 

13,233,733 

1,225,453 

8,682,014 
3,477,543 
1,922,379 
17,316,089 
3,492,099 

2,555,547 
4,213,954 
2,275,858 
2,483,759 
5,750,465 

10,400,516 
13,234,639 
43,619,762 
16,843,943 
2,821,129 

1,250,484 
1,256,530 
9,270,560 
4,254,121 



1,347,837 

453,168 

3,913,700 

16,276,296 

1,100,398 

18,929,588 

1,432,484 

9,766,101 

2,722,851 

436,246 

1,508,239 
8,581,782 



$282,593 
89,696 
18,806 
26,556 
14,052 

101,115 

84,564 
7,288 
4,751 

22,232 

47,955 
25,683 

7,844 
13,360 

2,810 

18,515 

5,838 

117,522 

151,019 

53,942 

8,326 

48,174 

4,274 

168,094 

14,804 

93,284 
35,934 
22,036 
169,435 
34,064 

24,381 
38,439 
21,168 
88,263 
54,018 

124,325 
215,883 
317,092 
210,881 
31,108 

11,630 
15,820 
84,131 
43,231 



13,799 

3,494 

52,679 

166,069 

14,020 

194,133 
8,424 

115,629 

26,570 

4,947 

19,263 
89,045 



$104,569 

39,203 

5,898 

8,862 

9,513 

36,462 
36,385 



8,458 

17,017 
6,690 
1,144 
6,278 
1,252 

3,585 

1,226 

56,211 

62,455 

24,663 

2,481 
16,786 

1,662 
66,297 

4,961 

30,503 
15,216 
14,387 
64,798 
13,432 

7,544 

14,876 

695 

34,415 

14,905 

45,286 

118,340 

100,494 

96,404 

21,045 

2,693 

9,109 

24,314 

14,453 



8.858 
1,388 
4,971 
84,488 
7,251 

102,563 

94 

35,720 

7,536 

511 

526 
37,015 



$108,635 

41,785 

6,716 

8,696 

7,965 

31,314 
33,082 



8,872 

17,675 
7,353 
1,189 
4,842 
1,265 

85 

711 

49,455 

61,893 

20,041 

2,536 

15,618 

1,662 

68,283 
4,522 

29,039 
13,765 
15,392 
69,077 
10,272 

7,569 
15,446 

1,381 
36,379 
14,602 

46,285 

120,165 

110,701 

92,632 

15,437 

2,683 

7,561 

27,118 

13,591 



9,585 
1,054 
5,071 
74,190 
4,497 

101,531 

94 

35,211 

7,487 

513 

970 

34,545 



lvi 



REPORT OF THE 



Table XIII. — Massachusetts Business for 1895 — Continued. 

Companies op Other States. 

Fire Business — Concluded. 



NAME OP COMPANY. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



Pacific, 

Pennsylvania, . 
Phenix (New York), 

Phoenix (Hartford), 
Providence Washington 
Queen of America, 
Reading, . 
Reliance, 

Rochester German, 

Rutgers, . 

Security, . 

Spring Garden, 

St. Paul Fire and Marine, 

Traders', . 

Union, 

United Firemen's, . 

United States Fire, 

Westchester, . 

Western, . 
Williamsburgh City, 



$2,284,737 

9,053,621 

19,781,733 

12,321,740 
8,466,401 

12,002,031 
3,287,584 
2,188,645 

3,026,284 
927,180 
3,742,551 
7,462,709 
4,223,965 

461,312 
3,584,559 
2,012,237 
3,043,840 
7,582,992 

807,865 
2,459,980 



Totals, 



$452,903,286 



$21,455 
124,408 
189,758 

142,019 
85,890 

125,731 
35,401 
17,633 

41,253 
10,014 
41,169 
54,700 
42,679 

4,844 
32,280 
24,495 
27,761 
85,283 

10,158 
24,365 



$4,824,304 



$8,988 
56,919 
73,057 

54,669 
37,663 
47,661 
17,791 
11,790 

18,552 
3,027 
18,088 
24,044 
20,213 

1,243 
17,497 
12,181 
17,744 
43,891 

2,724 
15,767 



$1,959,397 



$9,775 
52,002 
65,459 

53,351 
37,518 
48,870 
13,460 
11,516 

14,395 
2,851 
18,919 
23,563 
18,068 

1,243 
16,859 
10,279 
16,161 
37,206 

3,324 
15,767 



$1,898,624 



Marine Business. 



Atlantic Mutual 

Delaware, 

Insurance Co. of North America, 
Providence Washington, 
St. Paul Fire and Marine, 

United States Lloyds, . 

Totals 



$13,850,759 

5,343,400 

35,742,771 

5,554,412 

80,181 

6,808,049 



$67,379,572 



$103,618 

35,801 

158,763 

44,265 

2,667 

21,967 



$367,081 



$43,799 
41,820 
95,024 
19,382 
15,712 

5,639 



21,376 



$31,641 

95,000 

14,667 

7,402 

11,600 



$160,310 



United States Branches, Foreign Companies. 
Fire Business. 



Atlas Assurance, . 
British America, . 
Caledonian, 
Commercial Union, 
Hamburg-Bremen, 



Imperial, .... 

Lancashire, .... 
Lion Fire, .... 
Liverpool and London and Globe 
London Assurance, 

London and Lancashire, 
Manchester Assurance, . 
National of Ireland,* 
North British and Mercantile, 
Northern Assurance, 



$5,882,282 
3,217,670 
5,978,000 

13,207,342 
2,536,430 

11,680,634 
8,012,342 
2,053,875 

34,551,438 
6,637,556 

10,968,826 
9,134,893 

15,018,663 
10,706,541 



$64,828 
43,595 
74,918 

152,645 
21,000 

128,439 
90,348 
22,931 

372,519 
67,735 

103,991 
102,998 

162,642 
128,409 



$26,970 

21,885 

35,114 

74,851 

707 

60,789 
42,746 
13,190 
149,306 
22,619 

55,820 
69,549 

80,254 
60,095 



$20,353 

20,632 

34,876 

73,467 

607 

66,682 
35,625 
13,239 
149,135 
19,455 

51,863 
61,293 



60,859 



* No business transacted in Massachusetts. 



INSURANCE COMMISSIONER. 



lvii 



Table XIII. — Massachusetts Business for 1895 — Concluded. 

United States Branches, Foreign Companies. 

Fire Business — Concluded. 



name of company. 



Risks 
Written. 



Premiums 
Received. 



Losses 
Paid. 



Losses 
Incurred. 



Norwich Union, 

Palatine, 

Phoenix Assurance, 
Prussian National, . 
Royal, 

Royal Exchange, . 
Scottish Union and National, 

Sun 

Union Society, 
Western Assurance, 

Totals 



$9,458,066 

15,208,434 

9,812,472 

1,164,606 

31,088,932 

794,617 

12,175,460 

16,148,350 

4,281,709 

5,377,332 



$245,096,470 



$101,896 

171,125 

117,930 

13,262 

376,462 

6,913 

109,317 

150,314 

37,342 

73,512 



$2,695,071 



$43,568 

72,902 

45,352 

9,421 

183,093 

385 
43,913 
64,232 
12,935 
28,078 



$1,217,774 



$40,708 

70,978 

40,847 

7,291 

176,316 

385 
38,053 
83,144 
12,925 
28,591 



$1,107,324 



Marine Business. 



British and Foreign Marine, 
London Assurance, 
Mannheim, 
Marine of London, 
Reliance Marine, . 



Thames and Mersey Marine, 
Union Marine, 
Western Assurance, 



Totals, 



$109,629,723 

6,424,982 

4,747,349 

70,172,326 

2,370,204 

1,829,726 
124,388 
406,932 



$195,705,630 



$486,077 
15,419 
14,923 
47,519 
14,194 

8,794 
1,475 
8,895 



$597,296 



$331,645 

15,360 

14,363 

17,667 

5,786 

1,603 

421 

9,317 



$396,162 



$342,290 

17,884 

18,609 

17,667 

5,941 

1,603 

5,409 



$409,403 



Recapitulation . 
Fire Business. 



Massachusetts Mutual Fire Companies, 
Massachusetts Mutual Fire-Marine Com 

panies, 

Massachusetts Joint-Stock Companies, 
Companies of other States, . 
United States Branches, 



Totals, 



$268,690,956 

1,177,241 

52,812,733 
452,903,286 
245,096,470 



$1,020,680,686 



$3,020,504 

16,594 

475,539 

4,824,304 

2,695,071 



$11,032,012 



$811,487 

2,479 

174,018 

1,959,397 

1,217,774 



$4,165,155 



$866,938 

3,135 

153,933 

1,898,624 

1,107,324 



$4,029,954 



Marine Business. 



Massachusetts Mutual Marine Companies, 
Massachusetts Joint-Stock Companies, 

Companies of other States 

United States Branches, . 

Totals, 



$16,130,862 
35,321,570 
67,379,572 

195,705,630 



$314,537,634 



$303,765 
584,657 
367,081 
597,296 



$1,832,799 



$149,676 
472,916 
221,376 
396,162 



$1,240,130 



$144,752 
496,636 
160,310 
409,403 

1,211,101 



lviii 



KEPORT OF THE 



Table XIV. — Statement of the Receipts and Expenditures of the 
Insurance Department for the Year ending Dec. 31, 1895. 

[Made pursuant to Chap. 522, Sect. 17, Acts of 1894.] 

Receipts. 



Compensation for valuation of life insurance policies, . 
License fees, filing statements, certificates, etc., 



$18,152 86 
39,039 00 



$57,191 86 



Expenditures. 



Commissioner. 
George S. Merrill, Salary, . 



Deputy Commissioner. 
FrecTk L. Cutting, Salary, . 



Actuary. 
Emma W. Cushman, . 



Clerks. 
Henry M. Billings, First, 
Arthur E. Linn ell, Second, . 
William O. Richardson, Third, 



A. M. Hawes, 
C. E. Weis, . 
M. E. Burrill, 

E. L. Johnson, 
S.E.Flint, . 

F. M. Page, . 

F. M. Robbins, 
M F. Whipple, 
V.I. Bryant,. 

G. M. Hall, . 
G. C. Studley, 
M L. McMann, 

F. E. Gowell, 

G. L. Moore, . 
L. H. Young, 
I. L Baker, . 
L. E. Brickett, 
C. L. Sawyer, 
G. H. Manks, 
J. S. Davis, . 
L. W. Whipple, 



Extra Clerks. 



Amount carried forward. 



$2,000 00 
1,500 00 
1,200 00 



$1,200 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

875 00 

850 00 

850 00 

840 00 

840 00 

840 00 

840 00 

730 00 

600 00 

490 00 

410 00 

150 00 

70 00 



53,500 00 
2,500 00 
2,000 00 



4,700 00 



16,585 00 



$29,285 00 



INSURANCE COMMISSIONER. 



lix 



Table XIV. — Statement of the Receipts, etc. — Concluded. 



Amount brought forward. 



Expenses. 
Printing and binding, . 

Postage, 

Travelling expenses, . 
Index cabinet and cards, 
Stationery and supplies, 
Express, telegrams and telephone, 
Stenographic work, etc., 
Books, newspapers, etc., 



Total expenditures for 1895, 
Fees collected and paid into State Treasury, 

Surplus accrued to Commonwealth, 



:,890 66 
895 82 
565 07 
871 25 
317 45 
204 99 
174 52 
68 90 



$29,285 00 



4,488 66 

$33,773 66 
57,191 86 



$23,418 20 



MASSACHUSETTS MUTUAL 

FIRE INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



ABINGTON MUTUAL FIRE INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, 

ABINGTON. 

[Incorporated May 30, 1856. Commenced business June 15, 1857.] 
HENRY B. PEIRCE, President. CARLOS P. FAUNCE, Secretary. 

Amount of permanent fund, . . » . . . . $41,728 54 



Detailed Statement of Stocks, Bonds, etc. 



N. E. Telephone and Telegraph Co. bonds, 
Boston United Gas Co. bonds, . 
Marion County (Ind.) bonds, . 
Ramsey County (Minn.) bonds, 
Equitable Securities Co. debenture bonds, 
Toledo (Ohio) city bonds, 
Lincoln (Neb.) city bonds, 
St. Paul (Minn.) city bonds, 
Chicago, Burlington & Quincy R.R» bonds, 
Portland & Ogdensburg R.R. bonds, 
Naurakeag Street Railway bonds, . 
East Middlesex Street Railway bonds, 
Trenton Passenger Railway bonds, . 
20 shares Oregon Railway & Navigation Co., 
10 " State National Bank, Boston, . 
10 " Nat'l Hide and Leather Bank, Boston 
34 " Metropolitan National Bank, Boston 
5 " Old Boston National Bank, Boston, 

20 " South End National Bank, Boston, 

13 " Abington National Bank, Abington, 
5 " Whitman National Bank, Whitman, 

14 " First National Bank, Salem, 

21 " First National Bank, Dan vers, . 
Rockland & Abington Street Railway, 

Securities held as collateral for cash loans : 
Rockland & Abington Street Railway, 



Par Value. 

$1,000 00 
2,000 00 
1,000 00 
3,000 00 
1,030 00 
1,000 00 
2,000 00 
1,000 00 
2,500 00 
5,000 00 
3,000 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
1,000 00 
3,400 00 

500 00 
2,000 00 
1,300 00 

500 00 
1,400 00 
1,575 00 
1,000 00 



Market Value. 

$1,030 00 
1,580 00 
1,032 50 
3,230 00 
1,030 00 
1,122 50 
2,000 00 
1,220 00 
2,500 00 
5,200 00 
3,000 00 
1,000 00 
2,240 00 

400 00 
1,100 00 
1,062 50 
3,230 00 

552 50 
1,500 00 
1,625 00 

510 00 
1,261 75 
1,585 50 
1,120 00 



$41,205 00 $40,132 25 



Market Value. Loaned Thereon. 

$500 00 $300 00 



ABINGTON MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Loans on personal security, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross) 

Interest due and accrued, . 

Rents due and accrued, 

Due for reinsurance, .... 

Balance due on real estate sold, 

Gross assets, .... 



31, 1895. 

$4,000 00 

31,880 00 

40,132 25 

300 00 

500 00 

902 25 

1,061 33 

2,012 75 

1,082 06 

18 67 

1 72 

2,910 93 



$84,801 96 



Liabilities. 
Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, .... 
Less reinsurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . . 
Rents, salaries and incidental expenses, . 
Gross liabilities, 

Net cash assets, . 



$8,960 66 
411 85 

$9,372 51 

2,750 00 

$6,622 51 

62,284 24 

1,062 81 

306 93 

229 75 



70,506 24 
f 14,295 72 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . 

Income from all other sources, 

Gross cash income, . 



f 2,440 52 
43,575 70 

$46,016 22 
2,012 75 

$44,003 47 
2,485 95 



sources, 



|41,517 52 

563 75 

2,049 32 

2,260 71 

271 00 

296 86 

$46,959 16 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$14,317 00 
42,483 00 
36,850 00 



ANNISQUAM MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, ...... 

Deduct salvage and reinsurance, 

Net cash paid for losses, ..... 

Cash paid as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 

for rents, 

for incidentals, 



$14,484 29 
182 06 



Gross cash expenditures, 



$14,302 23 

16,968 00 

6,611 40 

3,647 01 

579 36 

579 00 

1,696 33 

$44,383 33 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1894, $8,444,380 00 $126,690 88 $126,690 88 

Risks written during 1895, . 2,996,478 00 43,575 70 43,575 70 



Total, . 
Risks terminated during 1895, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$11,440,858 00 $170,266 58 $170,266 58 
3,105,262 00 45,460 61 45,460 61 



1,335,596 00 $124,805 97 $124,805 97 
142,180 00 1,968 62 1,968 62 



5,193,416 00 $122,837 35 $122,837 35 



Miscellaneous. 

Losses incurred during the year, $22,873 00 

Percentage of profits or surplus returned during 1895, 25, 40, 60 per cent. 



ANNISQCAM MUTUAL FIRE INSURANCE COMPANY, 

GLOUCESTER. 

[Incorporated March 1, 1847. Commenced business Dec. 28, 1847.] 

ELIAS DAVIS, President. JAMES S. JEWETT, Secretary. 

[Note. — This company charges a cash premium adequate for expenses only, and relies upon 
assessments on deposit notes to pay losses.] 



Amount of permanent fund Dec. 31, 1894, 
Increase during the year, 

Permanent fund Dec. 31, 1895, 



$437 50 
70 93 

$508 43 



Detailed Statement of Stocks, Bonds, etc. 



United States bonds, 



Par Value. 

$500 00 



Market Value. 

$545 00 



ARKWRIGITT MUTUAL FIRE INSURANCE CO. 



- r ) 



Summary of Assets Dec. 31, 1895. 
Loans on mortgage of real estate (first liens*), $3,125 00 

United States bonds, 

Cash in the office of the company, . 

Cash deposited in bank, 

Interest due and accrued, .... 

Office safe, $85 00 

Gross assets, 



545 


00 


23 


29 


4,400 


81 


118 


59 



Liabilities. 
Return assessments on cancelled policies, 
Gross liabilities, .... 



$61 59 



Income. 

Cash received from assessments, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



Gross cash income, 



Expenditures. 
Cash paid for salaries of officers and employees, 
Cash paid for rents, postage, etc., . 



Gross cash expenditures, 

Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, . . . $336,295 00 
Risks written during 1895, 



Total, ..... 

Deduct risks expired and terminated, 

In force at end of year, . 



91,250 00 

$427,545 00 
84.750 00 



§8,212 69 



$61 59 

$309 82 

102 24 

20 00 

§432 06 



$350 00 
15 69 

$365 69 



Conting't Prem's. 

$20,495 95 
6,029 00 

$26,524 95 
5,486 50 



$342,795 00 $21,038 45 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 8, 1860. Commenced business Oct. 1, I860.] 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, No. 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

United States bonds, . . . . . $25,000 00 $27,500 00 

Cambridge city bonds, .... . . 15,000 00 16,050 00 

Boston city bonds, 20,000 00 22,850 00 

Providence city bonds, 20,000 00 21,200 00 



*, Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$2,900 00 
4,600 00 
4,600 00 



ARKWRIGHT MUTUAL EIRE INSURANCE CO. 



Waltham city bonds, 

Lowell city bonds, . 

Springfield city bonds, 

Worcester cit}' bonds, 

Fitchburg Railroad bonds, 

Eastern Railroad bonds, . 

Old Colony Railroad bonds, 

Boston & Lowell Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Boston & Maine Railroad bonds, 

Philadelphia, Wilm. & Baltimore R.R. bonds 

New York, Providence & Boston R.R. bonds, 

Boston & Providence Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds, 

Pennsylvania Company Railroad bonds, . 

Chicago June. R.R. & Union Stfk Y'ds bonds, 

50 shares Chicago, Burlington & Quincy R.R , 

New York, New Haven & Hartford notes, 



Par Value. 

$10,000 00 
20,000 00 
20,000 00 
25,000 00 
10,000 00 
35,000 00 
47,000 00 
55,000 00 
50,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
30,000 00 
30,000 00 
25,000 00 
5,000 00 

100,000 00 



Market Value. 

$10,300 00 
21,800 00 
20,400 00 
24,750 00 
10,000 00 
41,300 00 
49,610 00 
57,750 00 
54,400 00 
21,000 00 
22,000 00 
10,000 00 
21,000 00 
36,000 00 
33,600 00 
27,000 00 
3,850 00 

100,000 00 



$612,000 00 $652,360 00 



Summary of Assets Dec. 31, 1895. 

Stocks, bonds, etc., as per schedule, . . $652,360 00 

Cash loans, 5,333 36 

Cash in the office of the company, . . . 484 15 

Cash deposited in bank, ..... 53,265 45 

Interest clue and accrued, . . . . 9,348 42 

Premiums in course of collection (gross), . 2,946 58 

Gross assets, . , . . . . 

Liabilities. 

Losses adjusted, unpaid, $85,000 00 

Losses claimed and reported, .... 38,496 68 

Unearned premiums on outstanding risks, . 367,503 09 

State and local taxes, 1,169 78 

Gross liabilities, ... . . . 

Net cash assets, , . . . , . . 

Income. 

Premiums outstanding Dec. 31, 1894, . . $1,969 70 

Premiums on risks written or renewed, . . 768,115 30 

Total, .......... $ 770,085 00 

Premiums now in course of collection, . . 2,946 58 

Entire premiums collected, .... f 767,138 42 

Less reinsurance and return premiums, . . 27,340 70 

Net cash premiums received, .... 

Interest and dividends received from all sources, . . 

Gross cash income, . , , , . . 



$723,737 96 



492,169 55 
$231,568 41 



$739,797 72 
* 29,423 86 

,221 58 



ASHFIELD MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 

for rents, 

for inspections, .... 
for incidentals, .... 



$173,701 04 

627,417 80 

22,111 66 

7,481 46 

1,428 80 

14,160 72 

6,727 20 



Gross cash expenditures, ....... $853,028 68 

Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1894, $94,404,582 00 $758,884 65 $3,794,423 25 
Risks written during 1895, . 96,127,601 00 768,115 30 3,840,576 50 

Total, .... $190,532,183 00 $1,526,999 95 $7,634,999 75 
Deduct risks expired and ter- 
minated, .... 98,514,789 00 791,993 76 3,959,968 80 



In force at end of year, . . $92,017,394 00 $735,006 19 $3,675,030 95 

Miscellaneous. 

Losses incurred during the year, ...... $295,544 00 

Percentage of profits or surplus returned during 1895, 82 T $ 7 per cent. 



ASHFIELD MUTUAL FIRE INSURANCE COMPANY, ASHFIELD. 

[Incorporated June 4, 1873. Commenced business July 19, 1873.] 

CHARLES HOWES, President. HENRY S. RANNEY, Secretary. 

[Note. — Tbjs company insures property in the town of Ashfiekl only.] 

Summary op Assets Dec. 31, 1895. 

Cash deposited in bank, $577 77 

Gross assets, ...... — $577 77 

Income. 

Net cash premiums received, ....... $ 34 68 

Interest and dividends received from all sources, ... 30 46 



Gross cash income, $65 14 

Expenditures. 

Net cash paid for losses, 

Cash paid for salaries of officers and employees, . 
Cash paid for State andlocal taxes, .... 

Gross cash expenditures, $468 00 



$425 00 


42 75 


25 



8 



ATLAS MUTUAL FIRE INSURANCE CO. 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, 



Miscellaneous 
Losses incurred during the year, 



Amount. Conting't Prem's. 

$49,488 00 $1,525 88 
6,931 00 207 94 

$56,419 00 
5,706 00 

$50,713 00 



.,733 82 
183 19 



1,550 63 
$425 00 



ATLAS MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated February, 1892. Commenced business June 15, 1892.] 
JOHN A. PRAY, President. ARTHUR F. JONES, Secretary. 

Office, 2 Mason Building. 
Amount of permanent fund Dec. 31, 1895, .... 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

(Fitchburg Railroad bonds, .... $20,000 00 

Eastern Railroad bonds, 5,000 00 

Boston city bonds, . . . . . . . 5,000 00 

St. Johnsbury & Lake Champlain Railroad, . 10,000 00 

Boston & Albany Railroad bonds, . . . 5,000 00 

-Old Colony Railroad bonds, .... 25,000 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



Liabilities. 



Losses claimed and reported, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies , 
Commissions and brokerage, . 

Gross liabilities, 

Net cash assets, ..... 



$70,000 00 

31, 1895. 

$77,725 00 

64,445 89 

1,033 00 

60,992 57 



$34,700 00 
27,954 53 

$6,745 47 

117,650 44 

689 01 

2,194 00 

22,183 91 



$10,000 00 



Market Value. 

$21,550 00 

6,000 00 

5,625 00 

12,100 00 

5,325 00 

27,125 00 

$77,725 00 



$204,196 46 



149,462 83 
$54,733 63 



ATLAS MUTUAL FIRE INSURANCE CO. 9 



Income. 



Premiums outstanding Dec. 31, 1894, . . $78,476 45 
Premiums on risks written or renewed, . . 301,916 30 



Total, $380,392 75 

Premiums now in course of collection, . . 60,992 57 



Entire premiums collected, .... $319,400 18 
Less reinsurance and return premiums, . . 94,395 77 



Net cash premiums received, $225,004 41 

Interest and dividends received from all sources, . . . 3,417 65 



Gross cash income, $228,422 06 



Expenditures. 

Cash paid for losses, $155,616 24 

Deduct salvage and reinsurance, . . . 11,398 65 



Net cash paid for losses, 

Cash paid as profits on terminated policies, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 



$144,217 59 

3,089 88 

24,282 31 

6,488 89 

4,280 65 



Gross cash expenditures, . $182,359 32 



Risks and Premiums. 

Amount. Cash Prem's. Contlng't Prem'a. 

Risks outstanding Dec. 31, 1894, $21,908,569 00 $300,020 47 $900,061 41 

Risks written during 1895, . 23,774,568 00 301,916 30 905,748 90 



Total, $45,683,137 00 $601,936 77 $1,805,810 31 

Risks terminated during 1895, . 28,146,855 00 366,630 52 1,099,891 56 



In force at end of year, . .$17,536,282 00 $235,306 25 $705,918 75 
Deduct amount reinsured, . 49,500 00 722 50 2,167 50 



Net amount in force, . . $17,486,782 00 $234,583 75 $703,751 25 



Miscellaneous. 

Losses incurred during the year, $146,641 00 

Percentage of profits or surplus returned during 1895, 10 per cent. 



10 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

[Incorporated Feb. 24, 1844. Commenced business July, 1845.] 
EVERETT S. CAPRON, President. ELIJAH R. READ, Secretary. 

Amount of permanent fund, . . . . , , . $16,550 59 

Summary of Assets Dec. 31, 1895. 
Loans on mortgage of real estate (first liens*), $14,592 00 



Attleborough town loan, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, 

Gross assets, .•»■.. 



6,000 00 
96 52 

7,328 27 

47 20 

391 07 



,455 06 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, .... 

Net cash assets, , 



$5,743 69 



5,743 69 
22,711 37 



Income. 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 


$57 49 
2,356 15 




Total, 

Premiums now in course of collection, . 


$2,413 64 
47 20 




Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 


$2,366 44 
79 21 


$2,287 23 

16 80 

1,023 87 

81 00 


■ • i 

sources, . 




$3,408 90 


Expenditures. 
Cash paid for losses, .... 

for salaries of officers and employe 

for state and local taxes, 

for incidentals, . , , 


es, . 

» • t * . 

■ i • 


$788 38 

661 00 

22 63 

74 58 


Gross cash expenditures, . 


$1,546 59 


Value of buildings thereon, » . . 
Amount of insurance held as collateral, . . 


$10,000 00 
22,800 00 
16,050 00 





BA UNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



11 



Risks and Premiums. 

Amount. 

RisksoutstandingDec.31,1894, $2,053,976 00 
Risks written during 1895, . 415,518 00 



Total, $2,469,494 00 

Risks terminated during 1895, . 377,308 00 

In force at end of year, . . $2,092,186 00 

Miscellaneous. 
Losses incurred during the year, . . 



Cash Prem's. 

$11,135 42 
2,356 15 



$13,491 57 
1,943 46 



Conting't Prem's. 

$22,270 84 
4,712 30 



$26,983 14 
3,886 92 



$11,548 11 $23,096 22 



$788 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

[Incorporated March 2, 1833. Commenced business Aug. 1, 1833.] 
SIMEON ATWOOD, President. FRANK THACHER, Secretary. 

Amount of permanent fund, . $57,365 80 



Detailed Statement of Stocks, 

13 shares Winthrop National Bank, Boston, 

20 ' 

25 ' 

10 « 

8 « 

5 ' 

15 « 

30 ' 

10 « 

10 ' 

50 ' 

63 « 

49 ' 

8 ' 



1 State National Bank, Boston, . 
■ Tremont National Bank, Boston, 
1 Massachusetts Natl Bank, Boston, 
1 Shawmut National Bank, Boston, 
1 Natl Bank of the Republic, Boston 
'• . Natl Bank of Redemption, Boston, 

First National Bank, Yarmouth, 
1 First National Bank, Hyannis, 
1 Falmouth National Bank, 
' Massachusetts Real Estate Co., 
' Old Colony Railroad, 
' Union Pacific Railroad, 
1 Central Pacific Railroad, 

National Tube Works Co. stock, 

Fall River city bonds, 

Old Colony Railroad bonds, 

Boston & Maine Railroad bonds, 

Fitchburg Railroad bonds, 

Iowa Falls & Sioux City Railroad bonds, 

Chicago & E. Illinois Railroad bonds, 

Oregon Short Line R.R. stock and bonds, 

Illinois Steel Company bonds, . 

Western farm mortgage bonds, 



Bonds, etc. 

Par Value. 

$1,300 00 
2,000 00 
2,500 00 
1,000 00 

800 00 

500 00 
1,500 00 
3,000 00 
1,000 00 
1,000 00 
5,000 00 
6,300 00 
4,900 00 

650 00 
9,900 00 
1,000 00 
5,000 00 
12,000 00 
5,000 00 
2,000 00 
2,500 00 
1,000 00 
1,000 00 

800 00 



Market Value. 

$1,703 00 

2,185 00 

2,325 00 

957 50 

860 00 

760 00 

1,815 00 

3,900 00 

1,100 00 

1,100 00 

5,000 00 

11,151 00 

206 25 

140 00 

8,700 00 

1,165 00 

5,100 00 

12,240 00 

4,970 00 

2,500 00 

2,900 00 

570 00 

850 00 

800 00 



$71,650 00 $72,997 75 



12 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



Summary op Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $2,000 00 

Loans on mortgage of real estate (first liens*), 700 00 

Stocks, bonds, etc., as per schedule, . . . 72,997 75 

Loans on personal security, .... 4,400 00 

Cash in the office of the company, . . . 1,230 28 

Cash deposited in bank, . . . . . 5,871 65 

Interest due and accrued, 1,768 15 

Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, , $16,376 02 

Taxes accrued, 61 38 

Gross liabilities, 



Net cash assets, 



Income. 

Net cash premiums received, 

Received for extra premiums, 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 



Gross cash income, 



,967 83 



46,437 40 
$42,530 43 

$38,439 76 

1,039 80 

21 00 

2,798 89 

$42,299 45 



Expenditures. 

Net cash paid for losses, 

Cash paid as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 
for profit and loss, .... 

Gross cash expenditures, . . 



$4,153 50 

26,374 79 

6,123 25 

394 08 

689 25 

• 3,400 00 

$41,134 87 



Risks and Premiums. 

* Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1894, $7,194,906 00 $122,244 18 
Risks written during 1895, . 2,223,665 00 38,439 76 



Total, $9,418,57100 $160,683 94 

Risks terminated during 1895, . 2,138,079 00 35,819 13 



Conting't Prem's. 

$366,732 54 
115,319 28 

$482,051 82 
107,457 39 



In force at end of year, . 



',280,492 00 $124,864 81 $374,594 43 



Miscellaneous. 

Losses incurred during the year, $3,603 00 

Percentage of profits or surplus returned during 1895, 70 and 80 per cent. 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$100 
900 
700 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



13 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, 
PITTSFIELD. 

[Incorporated March, 1835. Commenced business August, 1835.] 
FRANK W. HINSDALE, President. JOHN M. STEVENSON, Secretary. 



Amount of permanent fund, 



$57,271 91 



Detailed Statement of Stocks, 



Western Union Telegraph Co. bonds, 
Chicago & Western Indiana Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
St. Paul & Sioux City Railroad bonds, 
100 shares Boston & Albany Railroad, . 
119 

50 

19 
100 

55 

10 

12 

15 

16 

10 



" N. Y. Cent. & Hudson River R.R. 

" Chicago, Burlington & Quincy R.R. 

" New Hampshire Trust Go., . 

" Adams Express Co., 

" Pittsfield National Bank, Pittsfield 

" Agricultural Natl Bank, Pittsfield 

" Third National Bank, Pittsfield, 

" First National Bank, Adams, 

" Adams Natl Bank, North Adams, 

" Lenox National Bank, Lenox, 

8 " Lee National Bank, 

Pittsfield Electric Street Railway Co., 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks, bonds, etc., as per schedule, 
All other cash loans, 
Cash in the office of the company, . 
Cash deposited in bank, . . 

Interest due and accrued, 
Premiums in course of collection (gross) 
Gross assets, . 



Bonds, etc. 

Par Value. 

$5,000 00 
5,000 00 
2,000 00 
1,000 00 

10,000 00 

11,900 00 
5,000 00 
1,900 00 

10,000 00 
5,500 00 
1,000 00 
1,200 00 
1,500 00 
1,600 00 
1,000 00 
800 00 
2,500 00 



31, 



Market Value. 

$5,410 00 
5,900 00 
2,240 00 
1,240 00 

20,800 00 

11,662 00 

3,800 00 

950 00 

15,000 00 
8,800 00 
2,500 00 
2,400 00 
2,025 00 
2,160 00 
1,400 00 
1,120 00 
2,500 00 



$66,900 00 f 89,907 00 

1895. 

$1 1,000 00 

89,907 00 

5,000 00 

1,462 72 

709 84 

186 02 

1,295 91 

,561 49 



Liabilities. 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
State and local taxes, 
Commissions and brokerage, . 
Gross liabilities, 

Net cash assets, .... 



$64,621 26 




93 05 




512 35 




68 96 




144 65 






65,440 27 






$44,121 22 



14 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Received for extra premiums, . 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$1,144 72 

76 75 

$1,067 97 
33,972 82 

$35,040 79 
1,295 91 



,744 88 
1,142 47 



sources, . 



f 32,602 41 

444 69 

4,472 64 

977 53 

$38,497 27 



Expenditures. 

Cash paid for losses, ..... 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

. Gross cash expenditures, .... 



$18,629 00 

16,095 56 

3,968 52 

3,204 00 

400 28 

1,472 35 

43,769 71 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prems. 

Risks outstanding Dec. 31,1894, 18,750,550 00 $120,355 39 $120,355 39 

Risks written during 1895, . 2,472,01100 33,972 82 33,972 82 



Total, $11,222,561 00 $154,328 21 $154,328 21 

Risks terminated during 1895, . 1,973,534 00 26,474 21 26,474 21 



In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



1,249,027 00 $127,854 00 $127,854 00 
12,000 00 122 26 122 26 



1,237,027 00 $127,731 74 $127,731 74 



Miscellaneous. 

Losses incurred during the year, $18,629 00 

Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent. 



BOSTON MANUFACTURERS FIRE INSURANCE CO. 



15 



BOSTON MANUFACTURERS' FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 15, 1850. Commenced business Oct. 15, 1850.] 
EDWARD ATKINSON, President. FRANCIS K. ROBINSON, Secretary. 

Office, 31 Milk Street. 
Detailed Statement of Stocks, Bonds, etc. 



Phila., Wil. & Baltimore R.R. bonds 

Chicago, Burl. & Quincy R R. bonds 

Old Colony R.R. bonds, . 

Burl. & Missouri River R.R. bonds, 

Pennsylvania Company bonds, 

West Shore R.R. bonds, . 

Boston & Lowell R.R. bonds, . 

New Jersey Central R.R. bonds, 

Rome, Watertown & Ogdensburg R.R. bonds, 

Lehigh Valley R.R. bonds, 

Eastern RE. bonds, 

United New Jersey Railway & Canal Co. bonds 

Baltimore & Ohio R.R. bonds, . 



Tar Value. 

$40,000 00 
50,000 00 

120,000 00 
30,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
25,000 00 
25,000 00 
50,000 00 
50,000 00 



Stocks, bonds, etc., as per schedule, 
Cash loans, .... 
Cash in the office of the company, 
Interest accrued, 
Gross assets, 



$620,000 00 

Summary of Assets Dec. 31, 1895. 

$689,125 00 

10,522 02 

1,675 07 



Market Value. 

$45,000 00 
54,250 00 

130,125 00 
34,950 00 
34,050 00 
52,750 00 
51,500 00 
59,000 00 
58,125 00 
27,750 00 
30,250 00 
57,500 00 
53,875 00 



,125 00 



4,995 84 



$706,317 93 



Liabilities. 

Losses claimed and reported, .... $9,367 79 

Unearned premiums on outstanding risks, . 423,85191 

State and local taxes, 1,317 71 

Gross liabilities, ..... 



Net cash assets, 



434,537 41 



$271,780 52 



Income. 

Premiums on risks written or renewed, . 
Less reinsurance and return premiums, . 



,870 03 
35,407 83 



Net cash premiums received, . . . . . . . $855,462 20 

Interest and dividends received from all sources, . . . 43,734 12 



Gross cash income, 



f899,196 32 



16 



BRISTOL COUNTY MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 

for rents, 

for inspections and plans, 

for incidentals, .... 

Gross cash expenditures, , 



$ 323,406 07 

715,770 19 

33,555 65 

8,649 80 

1,932 04 

16,251 85 

11,805 71 

11,111,371 31 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem'8. 

Risks outstanding Dec. 31, 1894, $107,572,032 00 $866,327 38 $4,331,636 90 
Risks written during 1895, . 111,725,099 00 890,870 03 4,454,350 15 



Total, ..... $219,297,131 00 $1,757,197 41 $8,785,987 05 
Risks terminated during 1895, 113,164,883 00 909,493 59 4,547,467 95 



In force at end of year, . . $106,132,248 QO $847,703 82 $4,238,519 10 

Miscellaneous. 
Losses incurred during the year, . . . . . . $332,774 00 

Percentage of profits or surplus returned during 1895, 81^ per cent. 



BRISTOL COUNTY MUTUAL FIRE INSURANCE COMPANY, 

NEW BEDFORD. 

[Incorporated Feb. 29, 1829. Commenced business July 4, 1829.] 

JAMES TAYLOR, President. GEO. N. ALDEN, Secretary. 

[N-OTE. — Policies are all issued for five years, ten per cent, of tbe premium note being 
received in cash at the time of issuing the policy. The notes are assessed as necessity requires* 
No cash funds are accumulated.] 

Summary of Assets Dec. 31, 1895. 
Cash in the office of the company, . . . $138 06 

Cash deposited in bank, 1,697 71 

Premiums in course of collection (gross), . 245 34 

Premiums more than three months due, $26 80 

Gross assets, . . . . . . 



!,081 11 



Liabilities. 



Commissions and brokerage, . 
Taxes accrued, . 

Gross liabilities, , , 



$17 29 
7 29 



$24 58 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



17 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Income from policy fees, .... 

Income from assessments on deposit notes, 



Gross cash income, 



Expenditures. 

Net cash paid for losses, . . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 

Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



$98 21 
4,552 60 



$4,650 81 
245 34 


$4,405 
197 


47 
76 



$4,207 71 


90 


30 


7 


75 


3 


60 


$4,309 


36 


$497 


16 


235 


58 


1,037 


51 


47 


95 


371 


54 



Amount. 



>,189 74 



Contlng't Prem's. 



Total, . 
Deduct risks expired and terminated, 

In force at end of year, . 



Miscellaneous 
Losses incurred during the year, 



>,859,996 00 $242,925 00 
674,730 00 45,526 00 



1,534,726 00 $288,451 00 
917,696 00 94,415 00 



1,617,030 00 $194,036 00 



$497 00 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, 

CAMBRIDGE. 

[Incorporated March 13, 1833. Commenced business Jan. 1, 183L] 
DANA W. HYDE, President. ALFRED L. BARBOUR, Secretary. 

Amount of permanent fund, $135,469 78 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Cambridge city bonds, ..... $2,000 00 $2,400 00 

Boston city bonds, 5,000 00 5,000 00 

Portland city bonds, 10,000 00 12,200 00 

Belfast city bonds, 2,000 00 2,100 00 



18 



CAMBEIDGE MUTUAL FIRE INSURANCE CO. 



Highland Street Railway bonds, 

Eastern Railroad bonds, . 

Boston & Lowell Railroad bonds, 

Fitchburg Railroad bonds, 

15 shares National City Bank, Cambridge, 

1 share Framingham National Bank, 



Par Value. 

84,000 00 
1,500 00 
5,000 00 
1,000 00 
1,500 00 
100 00 



Market Value. 

$4,400 00 

1,740 00 

5,000 00 

1,000 00 

2,250 00 

150 00 



832,100 00 836,240 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 

Cash loans, 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three mos. due, 82,347 72 
.Gross assets, . . . 

Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Commissions and brokerage, . 
Gross liabilities, , 



859,750 00 

110,683 00 

2,791 27 

36,240 00 

3,000 00 

1,593 45 

3,813 52 

483 92 

14,061 20 

2,641 34 



$4,085 00 

2,000 00 

137,699 83 

3,322 36 

2,386 63 



$235,057 70 



149,493 82 



Net cash assets, . 



885,563 88 



Income. 
Premiums outstanding Dec. 31, 1894, 
Same not collected, 


$12,902 40 
197 77 


Net collected, 

Premiums on risks written or renewed, . 


812,704 63 
81,959 92 


Total, ....... 

Premiums now in course of collection, . 


894,664 55 
16,408 92 


Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 


878,255 63 
3,358 42 

Q7A QQ7 Ol 




Amount of insurance held as collateral, 


128,400 00 



CENTRAL MUTUAL FIRE INSURANCE CO. 



19 



Received for extra premiums, 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, . 

Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, $1,000.00; cost of inspection, 

for incidentals, .... 

for repairs on real estate, 

Gross cash expenditures, .... 



.,587.92, 



M015 41 
3,603 78 
2,234 52 
5,554 01 



$87,334 93 


$22,583 


47 


33,177 


37 


11,155 


15 


7,650 


00 


2,263 


22 


,2,587 


92 


3,261 


99 


3,930 


76 



,609 88 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $15,622,520 00 $243,526 87 $243,526 87 

Risks written during 1895, . 5,176,786 00 81,959 92 81,959 92 



Total, $20,799,306 00 $325,486 79 $325,486 79 

Risks terminated during 1895, . 3,928,304 00 58,999 90 58,999 90 



In force at end of year, 



,871,002 00 $266,486 89 $266,486 89 



Miscellaneous. 
Losses incurred during the year, . . . . . . $28,593 00 

Percentage of profits or surplus returned during 1895, 25, 50 and 70 per cent. 



CENTRAL MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 20, 1895. Commenced business May 25, 1895.] 
MELVILLE M: WESTON, President. JAMES B. ALDEN, Secretary. 

Office, 24 Central Street. 

, -> 

Summary of Assets Dec. 31, 1895. 

Cash in the office of the company, . . . $159 68 

Cash deposited in bank, . . . . 11,077 53 

Premiums in course of collection (gross), , 7,828 45 
Premiums more than three months due, $66 13 

Gross assets, - $19,065 66 



20 



CENTS AL MUTUAL FIRE INSURANCE CO. 



Liabilities. 

Unearned premiums on outstanding risks, 
Reinsurance premiums due other companies, 
Return premiums on cancelled policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, 
Reinsurance disallowed, . 

Gross liabilities, .... 



,508 28 
109 84 
332 89 
855 05 
458 34 
32 76 



$13,297 16 



Net cash assets, 



),768 50 



Income. 

Premiums on risks written, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Gross cash income, . . 



$35,705 45 
7,894 58 

$27,810 87 
11,200 37 



$16,610 50 
$16,610 50 



Expenditures. 

Net cash paid for losses, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 



Gross cash expenditures, . 



$248 00 


2,244 


55 


2,750 


04 


308 


84 


235 


27 



,786 70 



Risks and Premiums. 

Amount. Cftsh Prem's. Conting't Prem's. 

Risks written during 1895, . $3,138,183 00 $35,705 45 $107,116 35 

Risks terminated during 1895, . 1,484,157 00 12,532 20 37,596 60 



In force at end of year, 
Deduct amount reinsured, . 



. $1,654,026 00 
13,000 00 



$23,173 25 "$69,519 75 
156 68 470 04 



Net amount in force, . . $1,611,026 00 $23,016 57 $69,049 71 



Miscellaneous, 
Losses incurred during the year, 



$248 00 



citizens' mutual FIRE INSURANCE CO. 



21 



CITIZENS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April, 1846. Commenced business October, 1846.] 
HENRY C. BIGELOW, President. T. WALLACE TRAVIS, Secretary. 

Office, 8 Exchange Place. 
Amount of permanent fund, $174,441 91 



Detailed Statement of Stocks, Bonds, etc. 



30 shares Hide & Leather National Bank, 
15 " Natick National Bank, 
10 " Farmington National Bank (N. H ) 
Butchers' S. and M. Association bonds, . 
Denver Land and Security Co. bonds, 



Securities held as collateral for cash loans : — 



50 shares Atchison, Topeka & Santa Fe R.R, 



450 
100 
50 
50 
100 
100 
100 



Butte & Boston Mining Co., . 
Dominion Coal Company, 
Mexican Central Railroad, 
Lamson Con. Store Service, . 
L'ville, New Albany & Chic. R R 
Southern Railway Company, . 
United States Rubber Company, 



Par Value. 

|3,000 00 
1,500 00 
1,000 00 
4,000 00 
1,800 00 



Market Value. 

13,165 00 
1,800 00 
1,000 00 
4,000 00 
1,800 00 



$11,300 00 $11,765 00 



Market Value. Loaned Thereon. 

$750 00^ 
5,737 50 
1,100 00 

475 00 
1,000 00 f 

800 00 

900 00 
2,600 00 



> $8,000 00 



$13,362 50 



5,000 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
All other cash loans, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 
Gross assets, 



$24,900 00 

279,160 00 

3,788 17 

11,765 00 

8,000 00 

3,000 00 

205 32 

11,368 94 

167 75 

4,222 98 



$346,578 16 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$535,800 00 
326,950 00 



22 



citizens' mutual FIRE INSURANCE CO. 



Liabilities. 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 
Gross liabilities, 



Net cash assets, 



Income 



Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Received for extra premiums, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$190,421 16 

1,498 69 

633 44 



other 



Expenditures. 
Cash paid for losses, .... 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rents, .... 
for incidentals, 
for repairs on real estate, 

Gross cash expenditures, . 



$4,315 58 
83,119 65 

$87,435 23 
4,2-22 98 



,212 25 
3,954 87 



sources, . 



$192,553 29 
$154,024 87 



$79,257 38 

1,277 93 

15,030 40 

1,072 39 

702 65 



$97,340 75 



,504 78 

42,414 82 

12,242 97 

7,708 30 

1,372 41 

1,800 00 

2,625 02 

231 91 

$88,900 21 



Risks and Premiums. 

Amount. % Cash Prem's. Oonting't Prem's. 

Risks outstanding Dec. 31, 1894, $25,966,333 00 $356,286 28 $356,286 28 

Risks written during 1895, . 6,187,4^7 00 83,119 65 83,119 65 



Total, .... 
Risks terminated during 1895, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$32,153,780 00 $439,405 93 f439,405 93 
5,271,907 00 69,525 21 69,525 21 



,8.81,873 00 $369,880 72 $369,880 72 
18,050 00 175 01 175 01 



$26,863,823 00 $369,705 71 $369,705 71 



Miscellaneous. 

Losses incurred during the year, ...... $19,620 00 

Percentage of profits or surplus returned during 1895, 50 and 70 per cent. 



COH ASSET MUTUAL FIRE INSURANCE CO. 



23 



COIIASSET MUTUAL FIRE INSURANCE COMPANY, COIIASSET. 

[Incorporated March 18, 1845. Commenoed business March 16, 1846.] 
LOUIS N. LINCOLN, President. PUILANDRIi BATES, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

9 shares City National Bank, Boston, . . $900 00 $733 50 

3 shares Merchants' National Bank, Boston, . 300 00 459 00 



$1,200 00 $1,192 50 



Summary of Assets Dec. 31, 1895. 

Stocks, as per schedule, $1,198 50 

Cash in the office of the company, ... 9 46 

Cash deposited in bank, 1,413 20 

Premiums in course of collection (gross), . 78 17 
Office furniture, . . . . $60 00 
Premiums more than three months due, 70 30 

Gross asseta, ■ 



$2,693 33 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, ..... 

Balance against company, 



$485 00 




2,637 13 




8 37 




16 01 




— 


3,146 51 



$453 18 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 

Entire preniiutns collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest and dividends received from all sources, . 

Gross cash income, ...... 



$107 74 
76 93 



$30 81 
1,048 32 


$1,079 13 
148 47 


6930 66 
48 10 



$882 56 
24 97 
94 11 

$1,001 64 



24 COMMERCE MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, ....... 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, .... 

for rents, ........ 

for incidentals, ....... 

Gross cash expenditures, ....... $1,149 14 

Risks and Premiums. 

Amount. Cash Prem'3. Conting't Prem's. 

Risks outstanding Dec. 31,1894, $353,245 00 $5,380 52 $16,14156 

Risks written during 1895, . 67,640 00 1,048 32 3,144 96 



$291 93 


414 


26 


103 


95 


235 


50 


12 


ID 


50 


00 


41 


31 



Total, . . . . . $420,885 00 $6,428 84 $19,286 52 

Risks terminated during 1895, . 67,425 00 1,013 61 2,964 38 

In force at end of year, . . $353,460 00 $5,415 23 $16,322 14 

Miscellaneous. 

Losses incurred during the year, ...... $777 00 

Percentage of profits or surplus returned during 1895, 15, 30, 50 per cent. 



COMMERCE MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated March 4, 1895. Commenced business Aug. 29, 1895.] 
WM. HARRIS, President. JOHN A. BENSON, Secretary. 

Office, 17 Exchange Place. 

Summary of Assets Dec. 31, 1895. 

Cash deposited in bank, .... $2,314 85 

Premiums in course of collection (gross), . 7,303 06 

Gross assets, $9,617 91 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Commissions and brokerage, . 
Rents, salaries and incidental expenses, 
Gross liabilities, 

Net cash assets,, , 



|1,302 31 

5,181 16 

52 12 

757 33 

25 00 



7,317 92 



!,299 99 



CONTINENTAL MUTUAL FIRE INSURANCE CO. 



25 



Income. 

Premiums on risks written or renewed, . . $11,552 87 
Premiums now in course of collection, . . 7,303 06 



Entire premiums collected, . . 

Less reinsurance and return premiums, . 

Net cash premiums received, — 

Interest and dividends received from all sources, . 

Gross cash income, . . . . . 



&4,249 81 
1,028 97 



!,220 84 
1 92 



;,222 76 



Expenditures. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rents, . . 

for incidentals, . ... 

Gross cash expenditures, .... 



$335 


12 


241 


00 


62 46 


60 00 


209 


33 



$907 91 



Risks and Premiums. 

Amount. 

Risks written during 1895, . $1,167,021 00 
Risks terminated during 1895, . 76,650 00 



Cash Prem's. Conting't Prem's. 

fl 1,552 87 $34,658 61 
1,190 56 3,571 68 



In force at end of year, . . $1,090,371 00 $10,362 31 $31,086 93 



Miscellaneous. 
Losses incurred during the year, 



$1,302 00 



CONTINENTAL MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 14, 1894. Commenced business Jan. 15, 1895.] 
ARTHUR G. KRIEGER, President. RICHARD C. PETERS, Secretary. 

Office, 539 Exchange Building. 



Summary op Assets Dec. 31, 1895. 

$500 22 

6,011 12 

3,544 56 

34 16 

809 64 



Cash in the office of the company, . 
Cash deposited in bank, . . . . 
Premiums in course of collection (gross), 

Interest accrued, 

Return premiums due, .... 
Gross assets, ..... 



$10,899 70 



26 



CONTINENTAL MUTUAL FIRE INSURANCE CO. 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Reinsurance premiums due other companies, 
Commissions and brokerage, . 

Gross liabilities, . . . . . 



U et cash assets, 



11,584 40 




1,302 31 




7,075 98 




8 89 




494 54 






$10,466 12 





$433 58 



Income. 

Premiums on risks written or renewed, . . . 
Premiums now in course of collection, 

Entire premiums collected, .... 
Less reinsurance and return premiums, . 
Net cash premiums received, .... 
Received for extra premiums, . 
Interest and dividends received from all sources, 



$32,085 16 
3,544 56 

$28,540 60 
11,947 63 



Gross cash income, 



Expenditures* 

Cash paid for losses, ...... 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, 

for incidentals, .... 

Gross cash expenditures, .... 



|16,592 


97 


44 


68 


63 


14 


f 16,700 79 


$2,657 


95 


2,582 


.37 


2,811 


25 


114 72 


400 


00 


1,623 


16 


$10,189 45 



Risks and Premiums. 

Amount. 

RisJcs written during 1895, . $2,398,845 00 
Risks terminated during 1895, . $ 1,381,835 00 

In force at end of year, . . $1,017,010 00 
Deduct amount reinsured, . . 5,000 00 



Cash Prem's. Corsting't Frem's. 

$32,085 16 



15,419 63 

$16,665 53 
50 00 



96,255 48 
46,258 89 

$49,996 59 
150 00 



Net amount in force, . . $1,012,010 00 $16,615 53 $49,846 59 



Miscellaneous. 
Losses incurred during the year, . • » 



>,545 00 



COTTON AND WOOLEN MANUFACTURERS* INSURANCE CO. 27 



COTTON AND WOOLEN MANUFACTURERS 1 MUTUAL INSURANCE 

COMPANY, BOSTON. 

[Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875.] 
M. V. B. JEFFERSON, President. BENJAMIN TAFT, Secretary. 



Office, 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 



Fitchburg Railroad bonds, 
Chicago, Burlington & Qaincy ULR. bonds, 
Boston city bond, .... 
Metropolitan Street Railroad bonds, 
Maine Central R.R. bonds, 
Cheshire R.R. bonds, . . 
Portland & Ogdensburg R.R. bonds, 
New York & New England R.R. bonds, 
Lynn & Boston R.R. bonds, 
Middlesex R.R. bonds, 
Highland Street R.R. bonds, . 
South Boston R.R. bonds, 
West End Street R.R. bonds, . 
Connecticut River R.R. scrip, . 
Bangor & Aroostook R.R. bonds, 
Corporation notes, .... 



Par Value. 

$24,000 00 

10,000 00 

2,000 00 

15,000 00 

36,000 00 

27,000 00 

10,000 00 

17,000 00 

12,000 00 

1,000 00 

1,000 00 

5,000 00 

5,000 00 

5,000 00 

15,000 00 

801 22 



Market Value. 

$24,740 00 

10,000 00 

2,020 00 

15,350 00 

37,200 00 

28,080 00 

10,500 00 

19,890 00 

12,000 00 

1,035 00 

1,027 50 

5,187 50 

5,200 00 

5,000 00 

15,150 00 

801 22 



5,801 22 8193,181 22 



Summary of Assets Dec. 31, 1895. 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, ./,*.. 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, ..... 



$193,181 22 

2,055 11 

38,310 01 

3,329 15 

7,081 23 

555 50 



$244,512 22 



Liabilities. 

Losses claimed and reported, .... $1,195 95 

Unearned premiums on outstanding risk;s^ . 151,630 50 

State and' local taxes, ...... 565 69 

Gross liabilities, . . . . , 



153,392 14 



Net cash assets, . 



1,120 08 



28 



DEDHAM MUTUAL FIRE INSURANCE CO. 



Income. 
Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, ....... 

Premiums now in course of collection, . 

Net cash premiums received, . 

Interest and dividends received from all sources, 



f3,980 14 
316,666 81 



,646 95 
7.081 23 



1313,565 72 
8,550 67 



Gross cash income, $322,116 39 



Expenditures. 
Cash paid for losses, 

as profits on terminated policies, 

for inspections, .... 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$63,575 74 
185,192 74 
9,834 96 
7,842 60 
4,707 55 
9,945 18 

$281,098 77 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's* 

Risks outstanding Dec. 31, 1894, $28,114,837 00 $263,248 21 $1,316,241 05 
Risks written during 1895, . 33,570,274 00 316,666 81 1,583,334 05 



Total, $61,685,11100 $579,915 02 $2,899,575 10 

Risks terminated during 1895, . 31,319,855 00 276,653 74 1,383,268 70 



In force at end of year, . 



,365,256 00 $303,261 28 $1,516,306 40 



Miscellaneous. 

Losses incurred during the year, $64,772 00 

Percentage of profits or surplus returned during 1895, 70 per cent. 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 22, 1837. Commenced business July 1, 1837.] 
GEO. B. FAUNCE, President. ELIJAH HOWE, Jr., Secretary. 

),765 77 



Amount of permanent fund, . 



Detailed Statement of Stocks, Bonds, etc. 



Dedham National Bank stock, . 
Dedham Water Company stock, 
Atch., Topeka & Santa Fe R.R. stock, 
Boston city bonds, .... 
Cincinnati city bonds, 
Salem water bonds, 



Par Value. 

$1,200 00 
2,500 00 
5,000 00 
2,000 00 
6,000 00 
3,000 00 



Market Value. 

$1,200 00 

2,500 00 

700 00 

2,200 00 

7,080 00 

3,240 00 



DEDIIAM MUTUAL FIRE INSURANCE CO. 



29 



Washington County (111.) bonds, . 

N. H. Trust Company bonds, . 

Western Security Company bonds, . 

Lombard Investment Company bonds, . 

New England Mortgage Security Co. bonds, 

Boston & Lowell R.li. bonds, . 

Kansas City, St. Jos. & Council Bluffs R.R., 

Atch., Topeka & Santa Fe R.R. bonds, . 

Philadelphia & Reading R.R. bonds, 

Old Colony R.R. bonds, .... 

Union Pacific Railway bonds, . 

St. Johnsbury & Lake Champlain R.R., . 



Par Value. 

$5,000 00 
5,000 00 
6,000 00 
5,000 00 
8,000 00 

10,000 00 
2,000 00 

17,500 00 
5,000 00 
2,000 00 

16,000 00 
3,000 00 



Market Value. 

$5,000 00 
3,750 00 
3,600 00 
2,290 00 
7,600 00 

10,225 00 
2,400 00 
9,350 00 
6,350 00 
2,100 00 

14,100 00 
3,517 50 



$104,200 00 $87,202 50 



Summary of Assets Dec. 31, 1895. 
Loans on mortgage of real estate (first liens*), $36,900 00 



Stocks, bonds, etc , as per schedule, . 
Cash in office and bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, 

Gross assets, ..... 



87,202 50 
4,572 03 
2,804 66 
1,952 35 



$133,431 54 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



Net cash assets, 



$948 14 

40,488 39 

121 51 

1,599 43 

420 70 



43,578 17 



,853 37 



Income. 

Premiums outstanding Dec. 31, 1894, . . $2,876 30 

Premiums on risks written or renewed, . . 27,926 56 

Total, $30,802 86 

Premiums now in course of collection, . . 2,804 66 

Entire premiums collected, .... $ 27,998 20 
Less reinsurance and return premiums, . . 504 02 

Net cash premiums received, .... — 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, i 



$27,494 18 
1,839 27 
4,500 12 

$33,833 57 



* Total value of property mortgaged, $23,500 00 

Amount of insurance held as collateral, .... 13,300 00 



30 



DOECHESTER MUTUAL FIRE INSURANCE CO. 



Expenditures. 
Cash paid for losses, . . . 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, ..... 

for incidentals, 

Gross cash expenditures, . 



$10,692 26 

10,174 64 

4,039 37 

4,278 10 

321 37 

270 00 

787 40 

$30,563 14 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $4,499,597 00 
Risks written during 1895, . 1,776,478 00 



Total, . ... $6,276,075 00 

Risks terminated during 1895, . 1,371,454 00 



Cash Prem's. Conting't Prem's. 

$70,096 75 $70,096 75 
27,926 56 27,926 56 



,023 31 
20,781 10 



In force at end of year, 



,023 31 
20,781 10 



. $4,904,621 00 $77,242 21 $77,242 21 



Miscellaneous. 

Losses incurred during the year, $11,259 00 

Percentage of profits or surplus returned during 1895, 33J, 50, 70 per cent. 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

[Incorporated February, 1855. Commenced business July, 1855. 1 
THOMAS F. TEMPLE, President. W. D. C. CURTIS, Secretary. 

Office, Neponset. 
Amount of permanent fund, $200,000 00 



Detailed Statement of Stocks, 



Detroit, Lansing and Northern R.R. bonds, 
Fitchburg Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
56 shares Blue Hill National Bank, 



50 
20 
20 
12 
10 
80 
33 



Boston National Bank, . 
Howard National Bank, . 
Continental National Bank, . 
Hide & Leather National Bank, 
New England National Bank, 
Columbian National Bank, , 
State National Bank, 



Bonds, etc. 

Par Value. 

$7,000 00 
32,000 00 
10,000 00 
5,600 00 
5,000 00 
2,000 00 
2,000 00 
1,200 00 
1,000 00 
3,000 00 
3,300 00 



Market Value. 

$4,550 00 
33,480 00 
9,800 00 
5,880 00 
5,000 00 
1,860 00 
2,140 00 
1,284 00 
1,570 00 
2,940 00 
3,630 00 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



31 



10 shares Mt. Wollaston National Bank 

5 " Granite National Bank, . 

10 " Weymouth National Bank, 

304 " Boston & Albany R R., 

273 " Old Colony R.R., . 

75 " Boston & Maine R.R., 

56 " Boston & Lowell R.R., 

123 " Boston Lead M'fg Co., 

300 " International Trust Co., 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash deposited in bank, . . . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Rents due and accrued, 
Premiums more than three mos. due, $1,698 25 
Gross assets, 



Par Value. 

$1,000 00 

500 00 

1,000 00 

30,400 00 

27,300 00 

7,500 00 

5,600 00 

12,300 00 

30,000 00 



Market Value. 

$1,400 00 
650 00 
1,200 00 
62,928 00 
49,140 00 
12,825 00 
11,420 00 
18,450 00 
60,000 00 



$187,700 00 $290,147 00 

31, 1895. 

$22,000 00 

26,588 13 

402 50 

290,147 00 

15,620 35 

1,945 99 

14,762 56 

120 00 

$371,586 53 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Due for borrowed money, 
Commissions and brokerage, . 
Gross liabilities, 



Net cash assets, 



$1,691 31 

265,563 82 

2,750 00 

10,000 00 

2,176 15 



282,181 28 



,405 25 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 



$18,364 51 
284 61 



$18,079 90 
175,093 22 



$193,173 12 
16,460 81 



$176,712 31 
6,087 77 



$170,624 54 



* Value of lands mortgaged, . 
Value of buildings thereou, 
Amount of insurance held as collateral, 



$20,000 00 
24,800 00 
21,000 00 



32 



EAGLE MUTUAL FIRE INSURANCE CO. 



Received for extra premiums, .... 
Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, 



$2,191 88 
1,106 25 

11,254 92 
1,100 00 



$186,277 59 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$62,476 08 
500 00 



|61,976 08 

61,426 58 

27,054 06 

8,489 02 

3,027 17 

4,801 20 



$166,774 11 



Eisks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $30,218,280 00 $467,989 38 $467,989 38 

Risks written during 1895, . 11,322,416 00 175,093 22 175,093 22 



Total, $41,540,696 00 $643,082 60 $643,082 60 

Risks terminated during 1895, . 8,492,404 00 129,161 55 129,161 55 



In force at end of year, . . $33,048,292 00 f 513,921 05 $513,921 05 



Miscellaneous. 
Losses incurred during the year, ...... $60,976 00 

Percentage of profits or surplus returned during 1895, 25, 50, 75 per cent. 



EAGLE MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated May 6, 1895. Commenced business Aug. 1,1895.] 
HENRY F. WHITNEY, President. GEORGE B. HEATON, Secretary. 

Office, 44 Kilby Street. 

Summary of Assets Dec. 31, 1895. 

$280 27 



Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross), 
Premiums more than three months due, $48 75 
Gross assets, 



2,534 09 
6,465 03 



1,279 39 



EASTERN MUTUAL FIRE INSURANCE CO. 



33' 



Liabilities. 

Losses resisted, 

Unearned premiums on outstanding risks, 
Reinsurance premiums due other companies, 
Commissions and brokerage, . 

Gross liabilities, .... 



Net cash assets, 



Income. 
Premiums on risks written, 
Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Gross cash income, . . . . 

Expenditures. 
Net cash paid for losses, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, . .'■■-. 



$650 00 




5,888 28 




82 75 




977 06 






$7,598 09 





Risks written during 1895, 
Risks terminated during 1895, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



Risks and Premiums. 

Amount. 

$1,353,536 00 
261,030 00 



$1,089,506 00 
3,100 00 



fl5,651 34 
6,513 78 

$9,187 56 
3,182 20 



,681 30 



i,955 36 



$5,955 36 



$1,117 


96 


1,025 


59 


597 


00 


23 


56 


376 89 



$3,141 00 



Cash Prem's. Conting't Prem's. 

$15,651 34 $16,954 02 
3,775 28 11,325 84 



$11,876 06 
99 50 



$35,628 18 
298 50 



$1,086,106 00 $11,776 56 $35,329 68 



Miscellaneous. 
Losses incurred during the year, 



$1,768 00 



EASTERN MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 3, 1894. Commenced business Feb. 1, 1894 ] 
H. J. JAQUITH, President. M. S. WILLIAMS, Secretary. 

Office, No. 30 Congress Street. 

Summary of Assets Dec. 31, 1895. 
Cash in the office of the company, . . . $5,873 75 

Cash deposited in bank, . . . . • . 24,616 57 

Premiums in course of collection (gross), . 6,828 37 

Premiums more than three mos. due, $216 41 

Gross assets, . . . . . . — — ■ $37,348 69 



34 



EASTERN MUTUAL FIRE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding- risks 
Return premiums on cancelled policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . ' . 
Due for reinsurance, 
Reinsurance disallowed, . 

Gross liabilities, . . 



$3,352 42 

10,200 00 

$13,552 42 

875 00 



$12,677 42 




16,048 55 




170 41 




165 30 




1,303 31 




1,304 05 




74 50 






$31,743 54 





Net cash assets, . 



$5,605 15 



Income. 



Premiums outstanding Dec. 31, 1894, 
Same not collected, . . 

Net collected, .... 
Premiums on risks written or renewed, 

Total, ...... 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest and dividends received from all sources, 



1,502 18 
492 16 



$9,010 02 
58,502 55 



,512 57 
7,044 78 



,467 79 
12,779 51 



$47,688 28 
303 81 
847 45 



Gross cash income, $48,839 54 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 
for salaries of officers and emplo3 T ees, 
for State and local taxes, 
for rents and incidentals, 



,546 59 
11,312 63 

2,091 66 

783 96 

3,721 97 



Gross cash expenditures, . 



$43,456 81 



ESSEX MUTUAL FIRE INSURANCE CO. 



35 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, .... 
Risks terminated during 1895, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



Amount. 

^2,881,832 00 
3,342,524 00 

56,224,356 00 
3,706,874 00 

52,517,482 00 
614,532 00 



Cash Prem's. 

$41,549 45 
58,502 55 



Miscellaneous. 
Losses incurred during the year, 



$100,052 00 
56,167 79 

$43,884 21 
11,787 11 



$1,902,950 00 $32,097 10 



Conting't Prem's. 

$124,648 35 
175,507 65 

$300,156 00 
168,503 37 

$131,652 63 
35,361 33 



,291 30 



,211 00 



ESSEX MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated 1829. Commenced business 1829.] 
HENRY M. MEEK, President. CHARLES H. ODELL, Secretary. 

Amount of permanent fund, $51,152 23 

Detailed Statement or Stocks, Bonds, etc. 

Par Value. Market Value. 

St. Louis County bonds, ..... $1,00000 $1,00000 

St. Louis city bonds 1,000 00 1,050 00 

American Investment Company b#nds, . . 1,500 00 750 00 

Old Colony Railroad bonds, .... 1,000 00 1,040 00 

City of Cincinnati bonds, ..... 1,000 00 1,200 00 

City of Brooklyn bonds, . . . . . 1,000 00 1,160 00 

City of Springfield bonds, .... 1,00000 1,22000 

Chicago, Burlington & Quincy R.R. bonds, . 2,000 00 2,185 00 

Eastern Railroad bonds, 2,000 00 2,400 00 

Northern Pacific Railroad bonds, . . . 1,000 00 1,165 00 

Oregon Improvement bonds, .... 5,000 00 5,000 00 

Cleveland & Canton Railroad bonds, . .- 5,000 00 1,750 00 

City of Missoula (Mont.) bonds, . . . 4,000 00 4,000 00 

Duluth Transfer Railroad Co. bonds, . <. 3,000 00 1,500 00 

Boston & Maine Railroad bonds, . . . 5,000 00 5,225 00 

Maine Central Railroad bonds, . . . 6,000 00 6,120 00 

Fitchburg R.R. bonds, 9,000 00 9,090 00 

19 shares Asiatic National Bank, . . . 570 00 570 00 

14 " Salem National Bank, . . . 1,400 00 1,680 00 

41 " Mercantile National Bank, . . 4,100 00 4,428 00 

16 " Lynn Gas & Electric Co., . . . 1,600 00 2,602 00 

30 " Union Stock Yards Co., . . . 3,000 00 3,750 00 

Chicago city bonds, 1,000 00 1,060 00 



11,170 00 $59,945 00 



36 



ESSEX MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three mos. due, f 2,412 44 
Gross assets, ...... 



|24,300 00 

3,000 00 

90 00 

59,945 00 

629 63 

8,651 45 

774 20 

13,203 08 

240 00 



$110,833 36 



Liabilities. 

Losses adjusted, unpaid, „ 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies, 
Surplus due on terminated policies, . 
State and local taxes, 
Commissions and brokerage, . 
Reinsurance, ..... 
Gross liabilities, .... 

Net cash assets, . 



Income 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, 
Received for extra premiums, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Income from other sources, 

Gross cash income, . 



16,391 50 

11,794 53 

4,042 85 

50,709 04 

1.917 02 

3.918 82 
250 58 

2,570 94 
6 79 



81,602 07 



,231 29 





|20,801 34 






4 14 






$20,797 20 






125,957 36 






f 146,754 56 


T 




15,615 52 






$131,139 04 






32,099 51 


$99,039 53 








i . . . 


176 92 




• • . 


180 00 


other 


sources, . 


2,884 23 
641 46 
901 42 




$103,823 56 



EXCELSIOR MUTUAL FIRE INSURANCE CO. 



37 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents and incidentals, 

Gross cash expenditures, .... 



867,634 83 
2,926 43 



$64,708 40 
7,629 91 
24,596 58 
3,641 67 
1,793 62 
1,576 23 



$103,946 41 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31,1894, $8,949,449 00 
Risks written during 1895, . 7,106,316 00 



Total,. 
Risks terminated during 1895, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$16,055,765 00 
8,104,072 00* 



$7,951,693 00 
412,669 00 



Cash Prem's. Conting't Prem's. 

$129,181 01 $129,181 01 
125,957 36 125,957 36 



$255,138 37 $255,138 37 
144,159 19 144,159 19 



$110,979 18 
3,228 09 



10,979 18 
3,228 09 



$7,539,024 00 $107,751 09 $107,751 09 



Miscellaneous. 

Losses incurred during the year, $81,733 33 

Percentage of profits or surplus returned during 1895, 10, 25, 50 per cent. 



EXCELSIOR MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Aug. 23, 189L Commenced business Sept. 10, 1894.] 
JACOB ROSENTHAL, President. JOHN O. BENSON, Secretary. 

Office, 1 7 Exchange Place. 
Summary of Assets Dec. 31, 1895. 



Cash deposited in bank, .... 

Premiums in course of collection (gross), 

Gross assets, 



$2,746 33 
1,278 82 



$4,025 15 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 



$966 73 
4,508 00 
3,861 36 



38 



EXCELSIOR MUTUAL FIRE INSURANCE CO. 



Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, 

Balance against company, 



$11,344 25 




1,223 25 




166 66 




170 65 






$22,240 90 




■ •■• 


$18,215 75 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, . 

Gross cash income, . . . 





$9,716 70 
2,852 24 






$6,864 46 
39,926 89 






$46,791 35 
1,278 82 






f 45,5 12 53 
17,261 43 


$28,251 10 
174 80 


sourc 


,es, . 



,425 90 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . . 

Gross cash expenditures, .... 



$20,258 74 

8,385 88 

2,375 00 

405 87 

2,187 11 

,612 60 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31,1894, $1,761,906 00 
Risks written during 1895, . 2,149,676 00 



Cash Prem's. Conting't Prem's. 

$22,611 42 $67,834 26 
39,926 89 119,780 67 



Total,. 
Risks terminated during 1895, 


$3,911,582 00 
. 2,166,897 00 


$62,538 31 
39,756 28 


$187,614 93 
119,268 84 


In force at end of year, . 
Deduct amount reinsured, 


. $1,744,685 00 
15,400 (0 


$22,782 03 
225 76 


$68,346 09 
677 28 


Net amount in force, 


$1,729,285 00 


$22,556 27 


$67,668 81 



Miscellaneous. 

Losses incurred during the year, $29,595 00 

Assessments laid on deposit notes or contingent premiums, . 20,858 00 



FALL KIVER MANUFACTURERS* MUTUAL INSURANCE CO. 39 

FALL RIVER MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, FALL RIVER. 

[Incorporated Feb. 11, 1870. Commenced business May 1, 1870.] 
THOMAS J. BORDEN, President. CHARLES S. WARING-, Secretary. 



Detailed Statement of Stocks, 



Taunton city bonds, . 
Fall River city bonds, 
Boston city bonds, 
Newport (R. I.) city bonds, 
Cleveland (O.) city bonds, 
Boston & Lowell Railroad bonds, 
Boston & Providence Railroad bonds, 
Concord & Montreal Railroad bonds, 
Chicago, Burl. & Quincy Railroad bonds, 
Phila., Wilmington & Baltimore R.R. bonds, 
Old Coloiry Railroad bonds, 
Boston & Maine Railroad bonds, 



Bonds, etc 

Par Value. 

$15,000 00 
21,000 00 
20,000 00 
20,000 00 
25,000 00 
30,000 00 
20,000 00 
15,000 00 
15,000 00 
20,000 00 
30,000 00 
10,000 00 



Market Value. 

$15,675 00 
24,865 00 
21,500 00 
20,900 00 
25,875 00 
30,300 00 
20,800 00 
15,300 00 
12,900 00 
20,400 00 
31,200 00 
10,250 00 



$241,000 00 $249,965 00 



Summary of Assets Dec 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, ... 



31, 1895. 

$249,965 00 

211 06 

11,571 78 

3,395 16 

2,580 06 



$267,723 06 



Liabilities. 
Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

State and local taxes, .... 

Gross liabilities, 



Net cash assets, 



$3,510 00 

159,814 03 

532 23 



Income. 

Premiums outstanding Dec. 31, 1894, . . $1,759 74 

Premiums on risks written or renewed, . . 332,824 07 

Total, $334,583 81 

Premiums now in course of collection, '. . 2,580 06 

Entire premiums collected, .... f 332,003 75 

Less reinsurance and return premiums, . . 9,632 57 

Net cash premiums received, . . . • . 

Interest and dividends received from all sources, . 



163,856 26 

$103,866 80 



$322,371 18 
14,109 69 



Gross cash income, ........ $336,480 87 



40 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, .... 

for inspections, 

for incidentals, 

Gross cash expenditures, . 



$105,698 50 

269,946 50 

11,188 66 

3,231 03 

504 00 

5,358 36 

1,355 10 



$397,282 15 



Risks and Premiums. 

Amount. 

Risks outstanding Dec 31, 1894, $35,722,474 00 
Risks written during 1895, . 37,951,699 00 

Total $73,674,173 00 

Risks terminated during 1895, . 37,303,819 00 



Cash Prem's. Conting't Prem's. 

^314,737 94 $1,573,689 70 
332,824 07 1,664,120 35 

$647,562 01 $3,237,810 05 
327,933 96 1.639,669 80 



In force at end of year, 



,370,354 00 $319,628 05 $1,598,140 25 



Miscellaneous. 

Losses incurred during the year, $109,208 00 

Percentage of profits or surplus returned during 1895, 84 T 8 4 5 per cent. 



F1TCHBURG MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated March 23, 1847. Commenced business Sept. 1, 1847.] 
AMASA NORCROSS, President. EDWARD P. DOWNE, Secretary. 



Amount of permanent fund, 



$106,226 50 



Detaiied Statement of Stocks, 



Cheshire Railroad bonds, . 
Fitchburg Railroad bonds, 
Investment Trust Co. of America, . 
Minnesota Thresher Manufacturing Co , 
City of Fitchburg bonds, . 

10 shares Fitchburg National Bank, 

20 

10 

15 
227 

25 



Rollstone National Bank, 
Fitchburg Railroad, 
Springfield Safe Dep. & Trust Co., 
Minnesota Thresher Manuf. Co., 
Investment Trust Co. of America, 



Bonds, etc. 

Par Value. 

$5,000 00 
5,000 00 
7,500 00 

24,000 00 
5,000 00 
1,000 00 
2,000 00 
1,000 00 
1,500 00 

11,350 00 
2,500 00 



Market Value. 

$5,200 00 
5,000 00 
7,500 00 

24,000 00 
5,000 00 
1,500 00 
3,000 00 
900 00 
1,950 00 
8,512 5* 
2,500 00 



$65,850 00 $65,062 50 



FITCHBUEG MUTUAL FIRE INSURANCE CO. 



41 



Securities held as collateral for cash loans : — 

50 shares Garfield & Proctor Coal Company, . 
40 " Simonds Manufacturing Company, . 
40 " Simonds Manufacturing Company, . 



Market Value. Loaned Thereon. 

$5,000 00 $4,500 00 

4,000 00 3,000 00 

4,000 00 3,200 00 



$13,000 00 $ 10,700 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
All other cash loans, .... 
Cash in the office of the company, . 
Cash deposited in bank, . . ■ . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



f80,000 00 

37,823 00 

885 87 

65,062 50 

10,700 00 

3,900 00 

998 66 

10,950 59 

612 73 

17,635 00 

757 98 



$229,326 33 



Liabilities. 

Losses adjusted, unpaid, .... 

Losses disputed or resisted, 

Unearned premiums on outstanding risks, 

Surplus on terminated policies, unpaid, . 

Due and accrued for rent, salaries, etc , . 

Due for borrowed money, 

State and local taxes, .... 

Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, 



$14,975 77 

1,100 00 

157,488 33 

1,400 00 

290 00 

25,000 00 

410 00 

2,645 00 



203,309 10 



$26,017 23 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, . . . 
Premiums now in course of collection, . 
Entire premiums collected, 



$12,035 55 
120,984 17 



$133,019 72 
17,635 00 



$115,384 72 



* Value of lands mortgaged, 
Value of buildings thereon, . . 
Amount of insurance held as collateral, 



$24,000 00 
50,200 00 
41,790 00 



42 



FRANKLIN MUTUAL FIRE INSURANCE CO. 



Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends from all other sources, 

Income from rents, 



Gross cash income, 



$1,002 86 
3,035 70 
3,302 25 
3,048 57 



$125,774 10 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspections, .... 

for interest on borrowed money, 

for incidentals, . 

Gross cash expenditures, .... 



$72,369 73 

25,566 27 

15,908 88 

8,483 58 

1,621 84 

606 91 

1,201 39 

7,965 49 



$133,724 09 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $24,775,588 00 
Risks written during 1895, . 8,255,366 00 



Total, . . . . . $33,030,954 00 
Risks terminated during 1895, . 10,666,996 00 



Cash Prem's. Conting't Prem's. 

$388,083 55 $388,083 55 
120,984 17 120,984 17 



$509,067 72 $509,067 72 
162,208 05 162,208 05 



In force at end of year, 



.$22,363,958 00 $346,859 67 $346,859 67 



Miscellaneous. 

Losses incurred during the year, $79,395 00 

Percentage of profits or surplus returned during 1895, 10 and 20 per cent. 



FRANKLIN MUTUAL FIRE INSURANCE COMPANY, 
GREENFIELD. 

[Incorporated Feb. 11, 1828. Commenced business Sept. 29, 1829.] 
NELSON BURROWS, President. JOHN D. BOUKER, Secretary. 



Amount of permanent fund, 



t,524 52 



Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

50 shares Greenfield Gas Light Company, . $2,500 00 $2,500 00 

6 shares Franklin County National Bank, . 600 00 624 00 



$3,100 00 



1,124 00 



FRANKLIN MUTUAL FIRE INSURANCE CO. 



43 



Summary op Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (fi 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on personal security, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (g 
Rents due and accrued, 
Office furniture, 
Unpaid assessments, . 
Premiums more than three mos, due, 
Gross assets, . . . 



SS-LjIO ±JJ1.Kj. o 


J., IUiJU. 


state, 


$1,000 00 


rst liens*), 


600 00 




36 00 




3,124 00 




270 31 




1,359 49 




928 38 




28 22 


ross), 


3,491 44 


• . • 


150 00 


. $500 00 




.45,184 66 




3,244 68 





,987 84 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Gross liabilities, 



Balance against company, . 



Income 



Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Assessment on contingent premiums, 

Gross cash income, 



$4,181 57 




3,616 27 




5,556 86 




18,286 50 




342 00 




8 35 




636 62 






32 628 17 


.at. 




$21,640 33 



other 



$ 16,335 54 
3,113 14 

$13,222 40 
26,823 80 

$40,046 20 
6,736 12 

$33,310 08 
168 00 



sources. 



$33,142 08 

36 00 

183 38 

50 00 

2,508 11 

$35,919 57 



* Value of lands mortgaged, 
Value of buildings thereon, 



$500 00 
1,500 00 



44 



GROYELAND MUTUAL FIRE INSURANCE CO. 



Expenditures. 

Cash paid for losses, $28,689 55 

Deduct salvage and reinsurance, ... 34 12 

Net cash paid for losses, : 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, .... 

for rent and incidentals, 

Suffolk Mutual Fire Insurance Co. (assessment), 



Gross cash expenditures, 



$28,655 43 

5,408 14 

2,210 00 

234 72 

1,956 69 

90 82 

$38,555 80 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total 

Risks terminated during 1895, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Amount. 

53,315,847 00 
1,350,457 00 



$4,666,304 00 
1,922,918 00 

$2,743,386 00 
4,150 00 



Cash Prem's. Conting't Prem's. 

$47,832 98 $47,832 98 
26,823 80 26,823 80 



$74,656 78 
34,603 88 

$40,052 90 
66 06 



$74,656 78 
34,603 88 

$40,052 90 
66 06 



?,739,236 00 $39,986 84 $39,986 84 



Miscellaneous. 

Losses incurred during the year, $34,360 00 

Assessments laid on deposit notes or contingent premiums, . 47,692 00 



GROYELAND MUTUAL FIRE INSURANCE COMPANY, 

GROVELAND. 

[Incorporated March 28, 1828. Commenced business March 28, 1828.] 

MOSE3 FOSTER, President. NATHANIEL H. GRIFFITH, Secretary. 

[Note. — This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 



Summary of Assets Dec. 31, 1895. 



Cash in the office of the company, . 
Cash deposited in bank, . 

Gross assets, .... 



Income. 



Income from policy fees, . 
Income from assessments, 
Received from borrowed money, 

Gross cash income, . 



$119 44 
1,062 34 


$1,181 78 

$203 50 
6,278 78 


$1,600 00 



1,482 28 



PIAMrSHIRE MUTUAL FIRE INSURANCE CO. 



45 



Expenditures. 
Cash paid for losses, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, ....... 

Borrowed money repaid, $2,714 00 

Gross cash expenditures, . . . . . 
Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Amount. 

$1,669,695 00 
441,690 00 



$2,111,385 00 
436,192 00 



$3,607 


70 


565 


05 


52 


88 


33 00 



$4,258 63 



Conting't Prem's. 

$119,117 08 
31,508 80 

$150,625 88 
30,646 29 



$1,675,193 00 $119,979 59 



Miscellaneous. 

Losses incurred during the year, $3,608 00 

Assessments laid on deposit notes or contingent premiums, . 6,279 00 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 
NORTHAMPTON. 

[Incorporated March 6, 1830. Commenced business July 1, 1832.] 
CHARLES N. CLARK, President. OLIVER WALKER, Secretary. 

Amount of permanent fund, $27,523 66 



Detailed Statement of Stocks, Bonds, etc. 



63 shares Conn. River R.R , 
20 " Northampton National Bank, . 
25 " Chicago, Burl. & Quincy R.R., . 
Chicago, Burlington & Quincy R.R. bonds, 
Conn. River R.R. scrip dividend, 
Kansas Pacific R.R. bonds, 



Par Value. 

|6,300 00 
2,000 00 
2,500 00 
400 00 
1,000 00 
5,000 00 



Market Value. 

$15,624 00 
2,800 00 
1,925 00 
404 00 
1,000 00 
3,500 00 



$17,200 00 $25,253 00 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate (first liens *), $18,800 00 
Stocks, bonds, etc., as per schedule, . . . 25,253 00 



Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Gross assets, 



27 28 

17 07 

832 19 



$44,929 54 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$12,400 00 
28,100 00 
27,800 00 



46 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



Liabilities. 

Unearned premiums on outstanding risks, . $25,392 80 

Taxes due or accrued, . 17 89 

Surplus due on terminated policies, . . . 168 96 

Gross liabilities, ..... 



$25,579 65 



Net cash assets, 



$19,349 89 



Income. 

Premiums on risks written or renewed, . . $11,371 98 
Less reinsurance and return premiums, . . 407 05 

Net cash premiums received, .... 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Received for insurance on office furniture, . . 

Gross cash income, . . ... 



$10,964 93 
860 00 
933 26 
300 00 



$13,058 19 



Expenditures. 

Cash paid for losses, .... 

as profits on terminated policies, . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, ...... 

for office furniture and incidentals, 

Gross cash expenditures, .... 



$5,402 62 

5,119 16 

1,157 95 

1,463 00 

112 36 

132 50 

651 63 



$14,039 22 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31,1894, $3,969,736 00 
Risks written during 1895, . 802,992 00 



Total, . . . . . $4,772,728 00 
Risks terminated during 1895, . 814,325 00 



Cash Prem's. Conting't Prem's. 

$59,852 29 $59,852 29 
11,371 98 11,371 98 



571,224 27 $71,224 27 
15,390 01 15,390 01 



In force at end of year, . . $3,958,403 00 $55,834 26 $55,834 26 



Miscellaneous. 

Losses incurred during the year, ...... $5,403 00 

Percentage of profits or surplus returned during 1895, 50 per cent. 



IIINGIIAM MUTUAL FIRE INSURANCE CO. 



47 



IIINGIIAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

[Incorporated March 4, 1826. Commenced business Sept. 1, 1826.] 
AMOS BATES, President. HENRY W. CUSHING, Secretary. 

Amount of permanent fund, $ 193,042 98 



Detailed Statement of Stocks, 

57 shares Hingham National Bank, Hingham, 

60 " Old Colony Nat'l Bank, Plymouth, . 

8 " Abington National Bank, Abington, 

10 " Globe National Bank, Boston, 
19 " Hamilton National Bank, Boston, 

29 " Eagle National Bank, Boston, 
12 " Union National Bank, Boston, 
34 " State National Bank, Boston, . 

26 " North America Nat'l Bank, Boston 

11 " Commerce National Bank, Boston, 

30 " Webster National Bank, Boston, 
50 " Hingham Water Company, 
92 " Old Colony Railroad, 

109 " Boston & Albany Railroad, 

27 " Chicago, Burlington & Quincy R.R. 
Eastern Railroad bonds, .... 
Union Pacific Railroad bonds, . 
Chicago, Burlington & Quincy Railroad bonds 
Hingham Water Company bonds, 
Fitchburg Railroad bonds, 
Town of Hull note, 



Securities held as collateral for cash loans : — 



Helena Consolidated Water Company bonds, 
Boston & Lowell Railroad bonds, 
200 shares Burl., Cedar Rapids & N'th'n R.R.,>| 
100 shares General Electric Company, 
Current River Railroad bonds, . 
200 shares Union Pacific Railroad, . 
Little Rock & Fort Smith Railroad bonds 
Union Pacific, Denver & Gull R.R. bonds 
Cedar Rapids & Missouri River R.R. bonds, 

25 shares Edisto Phosphate Co., 

85 " Maine Central R.R., 
200 " Central Mass. R.R., 

50 " Hereford Railway Co., 
250 " Metropolitan Steamship Co., 



Bonds, etc. 

Par Value. 

$3,990 00 
6,000 00 
800 00 
1,000 00 
1,900 00 
2,900 00 
1,200 00 
3,400 00 
2,600 00 
1,100 00 
3,000 00 
5,000 00 
9,200 00 

10,900 00 
2,700 00 
5,000 00 
5,000 00 
5,800 00 

10,000 00 

15,000 00 
3,500 00 



Market Value. 

$3,990 00 

9,000 00 

960 00 

85 75 

2,052 00 

2,378 00 

1,588 50 

3,740 00 

2,626 00 

1,232 00 

3,090 00 

6,000 00 

16,284 00 

22,508 50 

2,092 50 

5,900 00 

5,288 75 

6,664 00 

10,000 00 

15,750 00 

3,500 00 



$99,990 00 $124,730 00 



Market Value. Loaned Thereon. 

$22,045 00 $18,451 14 



). 20,150 00 15,000 00 



13,380 00 12,000 00 



3,250 00 2,000 00 



27,473 75 20,000 00 



62,500 00 25,000 00 
$148,798 75 $92,451 14 



48 



HINGHAM MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc , as per schedule, . 
Loans on collateral security, as per schedule, 

All other cash loans, 

Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses claimed and reported, . 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, 



31, 1895. 

$16,465 35 

106,450 00 

2,634 60 

124,730 00 

92,451 14 

2,000 00 

1,120 52 

18,195 41 

1,927 02 

986 40 



$2,400 00 

192,426 95 

2,719 63 

147 96 



$366,960 44 



197,694 54 



$169,265 90 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Income from sales of real estate, 

Gross cash income, .... 



Expenditures. 
Cash paid for losses, .... 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, . 



$1,329 76 

71,443 16 

$72,772 92 

986 40 



M,786 52 
3,688 21 



sources, 

$6,439 35 



$68,098 31 

2,321 32 

5,110 30 

10,419 40 

16 10 



$85,965 43 

$42,012 07 

39,022 44 

10,560 90 

4,972 59 

2,047 94 

1,397 88 

$100,013 82 



* Value of lands mortgaged, 

Value of buildings thereon, . . , 
Amount of insurance held as collateral, 



$56,700 00 
139,850 00 
120,050 00 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



49 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, . $27,385,599 00 $398,711 62 $398,711 62 

Risks written during 1895, . . 4,814,324 00 71,443 16 71,443 16 



Total, $32,199,923 00 $470,154 78 $470,154 78 

Risks terminated during 1895, . 4,081,840 00 60,050 91 60,050 91 



In force at end of year, 



. $28,118,083 00 $410,103 87 $410,103 87 



Miscellaneous. 

Losses incurred during the year, ...... $43,472 00 

Percentage of profits or surplus returned during 1895, 50 and 70 per cent. 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated March 14, 1843. Commenced business May 23, 1843.] 

CHARLES H. PRICE, President. WALTER L. HARRIS, Secretary. 

THOS. H. JOHNSON, Vice-President. 

Guaranty Capital, $100,000. 

Amount of permanent fund, ....... $494,105 40 



Detailed Statement of Stocks, Bonds, etc. 



Wayne County (Mich.) bonds, 
Marion County (Ind.) bonds, . 
Washington County (111.) bonds 
Boston (Mass.) city bonds, 
Birmingham (Ala.) city bonds 
Cincinnati (Ohio) city bonds, 
Columbus (Ohio) city bonds, 
Cleveland (Ohio) city bonds, 
Cambridge (Mass.) city bonds 
Des Mones (Iowa) city bonds, 
Dayton (Ohio) city bonds, 
Evansville (Ind.) city bonds, 
Jersey City (N. J.) city bonds, 
Jeffersonville (Ind) city bonds 
Lynn (Mass.) city bonds, . 
Lawrence (Mass.) city bonds, 
Maiden (Mass.) city bonds, 
Milwaukee (Wis.) city bonds, 
Manchester (Mass.) town notes, 
New Haven (Conn.) city bonds, 
Orange (N. J.) city bonds, 
Omaha (Neb.) city bonds, 



Par Value. 

$10,000 00 

10,000 00 

2,000 00 

5,000 00 

5,000 00 

16,000 00 

15,000 00 

13,000 00 

5,000 00 

4,000 00 

10,000 00 

6,000 00 

5,000 00 

7,000 00 

8,000 00 

5,000 0Q» 

10,000 00 

5,000 00 

3,000 00 

5,000 00 

10,000 00 

24,500 00 



Market Value. 

$10,300 00 

10,381 25 

2,120 00 

5,050 00 

5,000 00 

18,860 00 

15,650 00 

13,900 00 

5,250 00 

4,660 00 

10,418 75 

6,000 00 

5,400 00 

7,000 00 

8,200 00 

5,200 00 

10,150 00 

5,050 00 

3,030 00 

5,700 00 

10,600 00 

24,867 50 



50 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



St. Louis (Mo.) city bonds, .... 
St Paul (Minn.) city bonds, .... 
Atchison, Topeka & Santa Fe Railroad bonds, 
Boston & Maine Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Burlington & Missouri River R.R. (Neb.) bonds, 
Cincinnati, Hamilton & Dayton Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Cleveland, L. & Wheeling R.R. bonds, . 
Chicago, Burlington & Northern R.R. bonds, 
Chicago & Alton Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & West Indiana Railroad bonds, 
Central Pacific Railroad bonds, 
Central New Jersey Railroad bonds, 
Eastern Railroad bonds, . 
East Middlesex Street Railroad bonds, 
Housatonic Railroad bonds, 
Jackson, Lansing & Saginaw Railroad bonds, 
Kansas City, St. Jo. & C. B. Railroad bonds, 
Kansas City, Ft. S. & Memphis R.R. bonds, 
Lehigh Valley Railroad bonds, 
New York & New England Railroad bonds, 
New Haven & Derby Railroad bonds, 
Northwestern Union Railroad bonds, 
Terre Haute & So. Eastern Railroad bonds, 
Utah & Northern Railroad bonds, . 
Union Pacific Railroad bonds, . 
Consolidated Vermont Railroad bonds, . 
Boston Building Co , Denver, Col., bonds, 
Col. M. S. Exchange, Denver, Col , bonds, 
Delaware & Hudson Canal Company bonds, 
Keokuk Water Company bonds, 
Western Union Telegraph Company bonds, 

31 shares Old Colony Railroad, 

50 " Portland, Portsmouth & Saco R.R 
100 " Pitts , Ft. Worth & Chicago R.R., 

40 " National Exchange Bank, Salem, 
10 " First National Bank, Salem, . 

10 " Merchants' National Bank, Salem, 
35 " Mercantile National Bank, Salem, 

41 " N^imkeag National Bank, Salem, 
140 " Salem National Bank, Salem, . 

30 " Atlantic National Bank, Boston, 

10 " Blackstone National Bank, Boston, 

31 " Continental National Bank, Boston, 
50 " Freeman's National Bank, Boston, . 



Par Value. 

$5,000 00 

25,000 00 

12,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

10,000 00 

16,500 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

8,000 00 

3,000 00 

7,000 00 

10,000 00 

10,000 00 

10,000 00 

6,000 00 

5,000 00 

8,000 00 

5,000 00 

15,000 00 

20,000 00 

8,000 00 

5,000 00 

10,000 00 

28,000 00 

# 2,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

3,100 00 

5,000 00 

10,000 00 

4,000 00 

1,000 00 

500 00 

3,500 00 

4,100 00 

14,000 00 

3,000 00 

1,000 00 

3,100 00 

5,000 00 



Market Value. 

$5,250 00 

27,550 00 

8,640 00 

10,200 00 

11,950 00 

9,800 00 

10,300 00 

11,200 00 

16,500 00 

10,600 00 

10,200 00 

5,812 50 

5,500 00 

9,200 00 

3,090 00 

8,120 00 

12,000 00 

10,200 00 

12,400 00 

6,150 00 

6,050 00 

7,840 00 

6,200 00 

17,730 00 

23,000 00 

10,960 00 

5,500 00 

9,500 00 

26,775 00 

1,780 00 

10,200 00 

10,000 00 

7,150 00 

10,200 00 

5,400 00 

5,518 00 

7,250 00 

15,800 00 

3,800 00 

900 00 

670 00 

3,675 00 

5,330 00 

16,800 00 

3,600 00 

1,000 00 

3,309 25 

4,412 50 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



51 



30 shares Globe National Bank, Boston, 

100 " Merchants 1 National Bank. Boston, 

50 " Republic National Bank, Boston, . 

30 " Revere National Bank, Boston, 

100 " Second National Bank, Boston, 

40 " Shoe and Leather Nat'l Bank, Boston, 

10 " Beverly National Bank, Beverly, . 

20 " So. Danvers Nat'l Bank, Peabody, . 

12 " First National Bank, Nevvbnryport, 



Tar Value. 

$3,000 00 
10,000 00 
5,000 00 
3,000 00 
10,000 00 
4,000 00 
1,000 00 
2,000 00 
1,200 00 



Market Value. 

$2,572 50 
15,475 00 
7,600 00 
2,715 00 
18,100 00 
3,600 00 
1,450 00 
2,380 00 
1,518 00 



18,500 00 $683,240 25 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



$52,275 00 

106,250 00 

683,240 25 

1,037 03 

9,692 06 

4,728 36 

11,615 38 



$868,838 08 



Liabilities. 
Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 

Net cash assets, 



$121 62 

1,458 00 

309,495 46 

260 12 

2,135 73 

1,197 56 



314,668 49 



$554,169 59 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums or risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash premiums received, . 
Received for extra premiums, . 



$1,720 35 
167,336 36 



169,056 71 
4,728 36 



164,328 3.5 
4,834 13 



$159,494 22 
1,988 11 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$103,600 00 

149,100 00 

92,850 00 



52 



INDUSTRIAL MUTUAL INSURANCE CO. 



Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, . . 

Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for dividends on guaranty capital, 

Gross cash expenditures, . 

Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $ 39,375,137 00 
Risks written during 1895, . 11,062,273 00 



sources, 



Cash Prem's. 

$571,252 88 
167,336 36 



Total, $50,437,410 00 

Risks terminated during 1895, . 8,949,902 00 



|738,589 24 
131,174 81 



In force at end of year, 
Deduct amount reinsured, 



.$41,487,508 00 
62,750 00 



$607,414 43 
567 70 



Net amount in force, . . $11,424,758 00 $606,846 73 



$4,142 75 

33,543 00 

2,733 22 



$201,901 30 

$62,974 46 

69,456 91 

25,007 51 

15,875 00 

2,290 24 

4,394 12 

7,000 00 



$186,998 24 



Conting't Prem's. 

$571,252 88 
167,336 36 



J738,589 24 
131,174 81 



,414 43 
567 70 



,846 73 



Miscellaneous. 

Losses incurred during the year, $62,239 00 

Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent. 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 17, 1890. Commenced business June 1, 1890.] 
B. F. TAFT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Stocks, Bonds, etc. 



West End Street R.R. bonds, 
Fitchburg R.R bonds, 
Lynn & Boston R.R. bonds, 
Maine Central R.R. bonds, 
Conn. River R R. scrip, 
Cheshire R.R. bonds, 
100 shares United States Rubber Co 
Corporation notes, . 



Par Value. 

$25,000 00 

15,000 00 

5,000 00 

15,000 00 

5,000 00 

500 00 

10,000 00 

47,301 51 



Market Value. 

$26,000 00 

15,000 00 

5,000 00 

15,125 00 

5,000 00 

502 00 

8,600 00 

47,301 51 



$122,801 51 $122,528 51 



INDUSTRIAL MUTUAL INSURANCE CO. 



53 



Summary of Assets Dec 31, 1895. 

Stocks, bonds, etc., as per schedule, . . f 122,528 51 

Cash in the office of the company, . . . 1C9 87 

Cash deposited in bank, . . . . . 17,774 76 

Interest due and accrued, 1,556 64 

Premiums in course of collection (gross), . 5,615 61 

Rents due and accrued, 555 50 

Gross assets, $148,200 89 

Liabilities. 

Losses adjusted, unpaid, $530 80 

Unearned premiums on outstanding risks, . 87,430 26 

State and local taxes, 360 33 

Gross liabilities, 88,321 39 

Net cash assets, . . . . . . . . $59,879 50 

Income. 

Premiums outstanding Dec. 31, 1894, . . $3,907 70 

Premiums on risks written or renewed, . . 179,354 60 

Total, $183,262 30 

Premiums now in course of collection, . . 5,G15 61 

Net cash premiums received, .... $177,646 69 

Interest and dividends received from all sources, . . . 4,277 31 

Gross cash income, $181,924 00 



Expenditures. 
Cash paid for losses, 

as profits on terminated policies, . 

for inspections, . . . . 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



),767 17 
105,965 25 
2,881 11 
5,221 54 
1,827 41 
11,808 14 



$158,470 62 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $15,061,271 00 
Risks written during 1895, . 20,183,513 00 



Total, . . . . . $35,244,784 00 
Risks terminated during 1895, . 17,954,914 00 



Cash Prem's. Conting't Prem's. 

$150,269 84 $751,349 20 
179,354 60 896,773 00 



$329,624 44 $1,648,122 20 
154,764 18 773,820 90 



In force at end of year, 



.$17,289,870 00 $174,860 26 $874,301 30 



Miscellaneous. 
Losses incurred during the year, 
Percentage of profits or surplus returned during 



$29,572 00 
1895, 70 per cent. 



54 



LOWELL MUTUAL FIRE INSURANCE CO. 



LOWELL MUTUAL EIRE INSURANCE COMPANY, LOWELL 

[Incorporated March 6, 1832. Commenced business April, 1832.] 
JAMES C. ABBOTT, President. JOSEPH PEABODT, Secretary. 



Amount of permanent fund Dec. 31, 1894, 
Increase during the year, .... 



Permanent fund Dec. 31, 1895,. 



|77,957 99 
2,518 52 

$80,476 51 



Detailed Statement of Stocks, Bonds, etc. 



Boston & Lowell Railroad bonds, . 
Lowell & Lawrence Railroad bonds, 
Fitchburg Railroad bonds, 
Consolidated Railroad of Vermont bonds, 

Boston city bond, 

Maine Central Railroad bonds, 

30 shares Lowell Bleachery, . . . ' 



2 
30 

2 
10 
50 

5 
12 
50 
30 

6 
30 
20 
20 



Pacific Mills, .... 
Lawrence Manufacturing Company 
Hamilton Manufacturing Company 
Lowell Manufacturing Company, 
Massachusetts Cotton Mills, 
Appleton Company, . 
Merrimack Manufacturing Company 
Franklin Manufacturing Company 
Hill Manufacturing Company, . 
Vermont & Massachusetts Railroad 
Boston & Maine Railroad, 
Boston & Lowell Railroad, 
First National Bank, Lowell, . 



Par Value. 

$10,000 00 
4,000 00 

10,000 00 
1,000 00 
2,000 00 
6,000 00 
3,000 00 
2,000 00 
2,000 00 
2,000 00 
6,900 00 
5,000 00 
5,000 00 

12,000 00 
5,000 00 
3,000 00 
600 00 
3,000 00 
2,000 00 
2,000 00 



Market Value. 

$10,252 00 
4,140 00 

10,205 00 
865 00 
2,260 00 
6,000 00 
3,262 00 
3,800 00 
2,440 00 
1,930 00 
5,625 00 
5,000 00 
2,500 00 

14,100 00 
5,575 00 
1,890 00 
894 00 
5,055 00 
4,060 00 
3,440 00 



,500 00 $93,293 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Stocks, bonds, etc., as per sched^e, . 
Cash in the office of the compairy, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Gross assets, 



31, 1895. 



$8,750 00 

93,293 00 

1,135 86 

15,834 84 

3,401 82 

1,019 04 



$ 123,434 56 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$9,500 00 

10,500 00 

8,000 00 



LOWELL MUTUAL FIRE INSURANCE CO. 



55 



Liabilities. 
Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



§ 3,250 00 

46,284 72 

771 39 

475 42 



50,781 53 



Net cash assets, $72,653 03 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, . . . . . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income agency department, 

Gross cash income, .... 



$4,420 66 

396 19 

$4,024 47 

33,915 16 

$37,939 63 

3,401 82 

|34,537 81 

967 66 



sources, 



§33,570 15 

230 41 

562 65 

4,223 06 

868 35 

§39,454 62 



Expenditures. 
Cash paid for losses,. . . . 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes,, 
for rent and incidentals, . 

Gross cash expenditures, . . ... 



$7,005 82 

11,574 20 

3,845 97 

5,867 70 

440 36 

2,293 44 

§31,027 49 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, §5,205,977 00 
Risks written during 1895, . 2,081,347 00 



Total,. 
Risks terminated during 1895, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



17,287,324 00 
1,829,998 00 

55,457,326 00 
50,350 00 



Cash Prem's. Conting't Prem's. 

§83,794 89 $83,794 89 
33,915 16 33,915 16 



.17,710 05 $117,710 05 
28,545 30 28,545 30 



,164 75 
643 79 



,164 75 
643 79 



§5,406,976 00 $88,520 96 



,520 96 



56 



LUMBER MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Losses incurred during the year, f 10,256 00 

Percentage of profits or surplus returned during 1895, 33^, 50 and 70 per cent. 



LUMBER MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Feb. 13, 1895. Commenced business March 28, 1895.] 
W. C. JOHNSON, President. N. M. JEWETT, Secretary. 

Office, 166 Devonshire Street. 

Summary of Assets Dec. 31, 1895. 

Cash deposited in banks, . . . . $15,389 25 

Premiums in course of collection (gross), . 2,736 11 

Return premiums due from other companies, . 142 53 

Premiums more than three mos. due, $280 00 

Gross assets, $18,267 89 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, 



Net cash assets, 



$13,377 30 



13,377 30 
$1,890 59 



Income. 

Premiums on risks written, 
Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all 

Income from rents, . 

Received for inspections, . 

Gross cash income, . 



sources, 



$30,187 18 

3,016 11 

$27,171 07 

3,320 47 



$23,850 60 

166 64 

97 22 

4 92 



$24,119 38 



Expenditures. 

Net cash paid for losses, 

Cash paid for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . ... 
for inspections, .... 

Gross cash expenditures, .... 



$1,065 62 

3,198 69 

174 74 

2,652 59 

1,638 49 

$8,730 13 



LYNN MUTUAL FIRE INSURANCE CO. 



57 



Risks and Premiums. 

Amount. Cash Pretn's. Conting't Prera's. 

Risks written during 1895, . $1,420,543 00 $30,187 18 $90,561 54 

Risks terminated during 1895, . 132,300 00 3,343 51 10,030 53 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



51,288,243 00 
4,750 00 



,843 67 
89 06 



.,283,493 00 $26,754 61 



,531 01 

267 18 



,263 83 



Miscellaneous. 
Losses incurred during the year, 



.,065 00 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

[Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828.] 
RUFUS KIMBALL, President. ISRAEL AUGUSTUS NEWHALL, Secretary. 



Amount of permanent fund Dec. 31, 1894, 



$56,910 38 



Detailed Statement of Stocks, Bonds, etc. 



40 shares First National Bank, Lynn, 
20 " National City Bank, Lynn, 
5 " Central National Bank, Lynn, . 
10 " Merchants' National Bank, Boston, 
15 " West Newton National Bank, . 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Southern Pacific Railroad bonds, 
Atlantic & Pacific Railroad bonds, . 
Mexican Central Railroad bonds, 

Toledo City bonds, 

Lynn & Boston Railroad bonds, 
Chicago & Great Western Railroad bonds, 
Ohio & West Virginia Railroad bonds, . 
Ogdensburg & Lake Cham plain R.R. bonds, 
East Middlesex Railroad bonds, 
Equitable Mortgage Company bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 
City of Sioux City bond, .... 
Boston, Revere Beach & Lynn Railroad bonds, 



Par Value. 


Market Value. 


$4,000 00 


$6,000 00 


2,000 00 


3,700 00 


500 00 


800 00 


1,000 00 


1,575 00 


1,500 00 


1,890 00 


1,000 00 


1,160 00 


500 00 


575 00 


1,000 00 


450 00 


1,000 00 


670 00 


1,000 00 


1,040 00 


3,000 00 


3,060 00 


2,000 00 


2,050 00 


1,000 00 


1,170 00 


2,000 00 


2,120 00 


2,000 00 


2,080 00 


1,000 00 


800 00 


7,000 00 


3,360 00 


500 00 


520 00 


2,000 00 


2,060 00 



$34,000 00 $35,080 00 



58 



LYNN MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 



Loans on mortffaffe of real estate * 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Loans on collateral security, 
All other cash loans, . 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Rents due and accrued, 
Gross assets, 



$21,585 00 

1,018 21 

35,080 00 

3,000 00 

596 20 

48 58 

1,359 31 

347 85 

70 25 

126 00 



$63,231 40 



Liabilities. 
Losses adjusted, unpaid, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 
Gross liabilities, 



Net cash assets, 



Income 



Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Premiums on risks written or renewed, 
Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mort<^ao:es, 

Interest and dividends received from all other sources, . 

Gross cash income, . 



$22 00 

14,000 75 

282 00 


14,304 75 






$48,926 65 



$3 75 

3 75 




$6,313 57 
70 25 




$6,243 32 
231 75 


$6,011 57 

40 67 

1,108 40 

1,989 58 


r sources, . 



1,150 22 



Expenditures. 

Cash paid for losses, ... 

as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$1,710 54 

5,424 69 

2,300 00 

66 90 

1,144 87 

$10,647 00 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$24,950 00 
30,000 00 
28,600 00 



merchants' and farmers' mutual fire INSURANCE CO, 59 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $1,977,930 00 
Risks written during 1895, . 461,670 00 

Total, $2,439,600 00 

Risks terminated during 1895, 414,250 00 



Cash Prem's. Conting't Prem's. 

$25,980 67 $51,961 34 
6,313 57 12,627 14 



$32,294 24 $64,588 48 
5,656 44 11,312 88 



In force at end of year, . . $2,025,350 00 $26,637 80 $53,275 60 

Miscellaneous. 

Losses incurred during the year, f 1,733 00 

Percentage of profits or surplus returned during 1895, 100 per cent. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

[Incorporated April 1, 1846. Commenced business Jan. 1, 1847.] 
JOHN D. WASHBURN", President. ELIJAH B. STODDARD, Secretary. 

Amount of permanent fund, ....... $121,57443 



Detailed Statement of Stocks, 

60 shares Atch., Topeka & Santa FeR.R., 
50 * 
25 ' 
20 ' 
20 ' 
13 « 
25 ' 
29 » 
56 ' 
25 « 

61 ' 
34 « 
25 « 
10 ' 



1 Union Pacific Railroad, 
1 Wachusett National Bank, 
1 Westminster National Bank, 
' Central National Bank, . 
'• Mechanics' National Bank, 
1 Quinsigamond National Bank, 
' Wor., Nashua & Rochester R.R., 
1 Chicago & Alton Railroad, 
' Chicago, Burlington & Quincy R.R. 
1 Boston & Albany Railroad, 
' Providence & "Worcester Railroad, 
1 Norwich & Worcester Railroad, 
1 Boston & Maine Railroad, 
Providence & Worcester Railroad bonds, 
Lawrence city bonds, .... 
Eastern Railroad of Minnesota bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
City of Grand Haven, Mich., bonds, 
Corporation notes, ..... 



Bonds, etc. 

Par Value. 

$6,000 00 

5,000 00 

2,500 00 

2,000 00 

2,000 00 

1,300 00 

2,500 00 

2,900 00 

5,600 00 

2,500 00 

6,100 00 

3,400 00 

2,500 00 

1,000 00 

25,000 00 

10,000 00 

5,000 00 

500 00 

13,900 00 

8,000 00 

750 00 



Market Value. 

$700 00 

200 00 

5,000 00 

2,000 00 

2,950 00 

1,300 00 

3,600 00 

3,277 00 

8,668 00 

1,875 00 

12,566 00 

8,500 00 

5,000 00 

1,700 00 

26,250 00 

11,600 00 

5,250 00 

500 00 

7,713 00 

8,000 00 

750 00 



$108,450 00 $117,399 00 



60 merchants' and farmers' mutual FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
All other cash loans, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Premiums more than three months due, $901 79 
Gross assets, 



$33,800 00 

72,250 00 

8,406 05 

117,399 00 

413 43 

2,355 58 

1,400 00 

9,489 13 



$245,513 19 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, .... 



$2,054 42 

2,000 00 

163,462 17 

3,000 00 

1,516 98 



172,033 57 



Net cash assets, 



$73,479 62 



Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums. 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



$7,263 87 
481 47 

$6,782 40 
104,129 71 

$110,912 11 
10,390 92 

$100,521 19 
4,131 98 



sources, 



,389 21 

967 01 

2,331 70 

5,436 61 

1,336 66 



$106,461 19 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$91,500 00 

126,000 00 

82,200 00 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



61 



Expenditures. 
Cash paid for losses, .... 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, 
for expense on real estate, 

Gross cash expenditures, . 



$39,757 60 

42,961 04 

14,901 42 

7,362 26 

1,775 96 

4,071 93 

183 20 

flll,013 41 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $23,266,747 00 $345,896 21 $345,896 21 

Risks written during 1895, . 7,041,648 00 104,129 71 104,129 71 



Total, . . . . . $30,308,395 00 $450,025 92 $450,025 92 
Risks terminated during 1895, . 7,381,611 00 107,262 21 107,262 21 

In force at end of year, . .$22,926,784 00 $342,763 71 $342,763 71 

Miscellaneous. 

Losses incurred during the year, . = $41,539 00 

Percentage of profits or surplus returned during 1895, 20, 40, 60 per cent. 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER. 

[Incorporated Feb. 7, 1828. Commenced business April 8, 1828.] 
WM. S. JENKINS, President. JOSEPH A. SMART, Secretary. 

Amount of permanent fund, $150,206 00 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Cincinnati city bonds, $16,000 00 $19,130 00 

Fall River city bonds, . . . . . 10,000 00 10,300 00 

Lynn city bonds, . ... . . 5,000 00 5,500 00 

United States bonds, . . . . . 27,000 00 28,240 00 

Cambridge Horse Railroad bond, . . . 14,000 00 14,560 00 

Metropolitan Horse Railroad bonds, . . 10,000 00 10,400 00 

Boston & Maine Railroad bonds, . . . 2,000 00 2,040 00 

Old Colony Railroad bonds, .... 10,000 00 10,050 00 

Chicago, Burlington & Qnincy R.R. bonds, . 10,000 00 10,300 00 

Chicago & Northwestern Railroad bonds, . 5,000 00 5,387 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 5,000 00 5,375 00 

Lynn & Boston Horse Railroad bonds, . . 6,000 00 5,700 00 

Spokane and Palouse Railroad bonds, . . 5,000 00 3,900 00 

Salem (Ohio) Water Company bonds, . . 6,000 00 4,740 00 

Helena (Montana) Water Company bonds, . 5,000 00 4,000 00 

Chicago, Wisconsin and Minn. R.R. bonds, . 5,000 00 5,000 00 

Northern Pacific & Montana Railroad bonds, . 10,000 00 2,800 00 



02 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



Chicago, Peoria & St. Louis Railroad bonds, 

50 shares Boston Investment Company, 

Cleveland Cable bonds, . 

Andover Electric Company bonds, 

Andover water bonds, 

Globe Street Railway bonds, . 

Seattle city bonds, . 

15 shares Lawrence National Bank, 

9h shares Andover National Bank, 



Summary op Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due and accrued on same, . 
Stocks, bonds, etc., as per schedule,. 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, «... 
Gross assets, 

Liabilities. 
Losses claimed and reported, . 

Unearned premiums on outstanding risks, 

Return premiums on cancelled policies, . 

Surplus due on terminated policies,. 

Commissions and brokerage, . 

Gross liabilities, 



Par Value. 

$5,000 00 
5,000 00 
8,000 00 
5,500 00 
9,000 00 

10,000 00 

5,000 00 

1,500 00 

950 00 



Market Value. 

$4,950 00 
1,250 00 
8,000 00 
6,050 00 
9,360 00 

10,0( 00 
5,000 00 
1,800 00 
1,045 00 



$200,950 00 $ 194,877 00 



31, 



1895. 

$8,000 00 

69,700 00 

1,313 72 

194,877 00 

784 54 

3,175 63 

12,100 93 

4,080 04 



$294,031 86 



$3,854 67 

229,205 95 

57 52 

5,082 35 

1,869 68 



240,070 17 



Net cash assets, . . . ... . . . $53,961 69 



Income. 
Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, . . 

Gross cash income, .... 



$11,631 99 
120,274 84 

$131,906 83 
12,100 93 



$119,805 90 
4,290 22 



sources, 



$115,515 68 

1,476 21 

2,150 00 

10,886 35 

872 11 

$130,900 35 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$135,950 00 
79,970 00 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



63 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$35,740 40 

60,201 48 

17,857 55 

6,515 00 

1,124 51 

4,169 03 

1125,607 97 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $29,175,873 00 $453,103 20 f 453,103 20 

Risks written during 1895, . 7,708,728 00 120,274 84 120,274 84 



Total, $36,884,60100 $573,378 04 $573,378 04 

Risks terminated during 1895, . 7,099,793 00 107,719 70 107,719 70 



In force at end of year, . . f 29,784,808 00 $465,658 34 $ 465,658 34 

Miscellaneous. 

Losses incurred during the year, $37,843 00 

Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

[Incorporated March 3, 1826. Commenced business March 29, 1826 ] 
GEORGE HEY WOOD, President. RICHARD F. BARRETT, Secretary. 

[Note. — At the annual meeting of the company held Jan. 13, 1896, Richard F. Barrett was 
elected president and William Barrett secretary.] 



Amount of permanent fund, 



$327,532 84 



Detailed Statement of Stocks, 

33 shares Blackstone National Bank, Boston, 
15 
26 
53 
25 
54 
30 
113 
20 
44 
10 
30 
18 



Merchants' National Bank, Boston, 
Webster National Bank, Boston, 
Boston National Bank, Boston, 
Eliot National Bank, Boston, 
Howard National Bank, Boston, 
Revere National Bank, Boston, 
Shawmut National Bank, Boston, 
Faneuil Hall Natl Bank, Boston, 
No. American Natl Bank, Boston, 
Central National Bank, Boston, 
Hancock National Bank, Boston, 
State National Bank, Boston, 



Bonds, etc. 

Par Value. 

$3,300 00 
1,500 00 
2,600 00 
5,300 00 
2,500 00 
5,400 00 
3,000 00 

11,300 00 
2,000 00 
4,400 00 
1,000 00 
3,000 00 
1,800 00 



Market Value. 

$3,300 00 
2,295 00 
2,678 00 
5,300 00 
3,300 00 
4,995 00 
2,700 00 

12,147 50 
2,680 00 
4,444 00 
1,280 00 
3,000 00 
1,980 00 



64 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



5 

30 


it 
« 


33 


u 


57 


u 


88- 5 - 2 -" 

oo 10 


100 


u 


50 


(( 


216 


It 


253 


11 


120 


(( 


50 


tc 



10 shares Market National Bank, Boston, 
Suffolk National Bank, Boston, 
Commercial Nat'l Bank, Boston, 
Concord National Bank, Concord, 
Boston & Albany Railroad, . 
Cleveland & Canton Railroad, 
Fitchburg Railroad, 
Philadelphia, Wil. & Bait. R.R., , 
Chicago, Burl. & Quincy Railroad, 
Atchison, Topeka & Santa F6 R.R . 
Pullman Palace Car Co., 
Massachusetts Real Estate Co., 

Eastern Railroad bonds, .... 

Burlington & Missouri Railroad bonds, . 

Chicago, Burlington & Quincy R R. bonds, 

Portland & Ogdensburg R.R. bonds, 

Akron & Chicago June. Railroad bonds, 

Chicago, Burlington & Northern R.R. bonds, 

Atchison, Topeko & Santa Fe Railroad bonds, 

Fitchburg Railroad bonds, 

Cincinnati, Ham. & Dayton Railroad bonds, 

Concord & Montreal Railroad bonds, 

Conn. & Passumpsic Rivers R.R. bonds, 

Cleveland, L. & Wheeling R.R. bonds, . 

Old Colony R.R. bonds, .... 

Boston & Lowell R.R. bonds, . 

East Middlesex Street Railway bonds, . 

Globe Street Railway bonds, . 

Illinois Steel Company bonds, 

United States bonds, 

Bath city bonds, 

Toledo city bonds, . 

Cambridge city bonds, 

Omaha city bonds, . 

Concord water bonds, 



Par Value. 

|1,000 00 
500 00 
3,000 00 
3,300 00 
5,700 00 
8,852 00 
10,000 00 
2,500 00 
21,600 00 
25,300 00 
12,000 00 
5,000 00 
6,000 00 
7,000 00 
14,000 00 
20,000 00 
10,000 00 
2,000 00 
6,000 00 
20,000 00 
10,000 00 
25,000 00 
15,000 00 
10,000 00 
1,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
3,000 00 
10,000 00 
20,000 00 
5,000 00 
4,500 00 



Market Value. 

$790 00 
535 00 
2,460 00 
5,115 00 
11,770 50 
154 91 
9,125 00 
3,237 50 
16,740 00 
3,898 50 
18,720 00 
3,750 00 
7,080 00 
6,877 50 
14,550 00 
21,400 00 
10,400 00 
2,060 00 
3,555 00 
21,200 00 
10,500 00 
25,500 00 
15,900 00 
10,600 00 
1,050 00 
15,787 50 
10,400 00 
10,250 00 
9,600 00 
11,100 00 
3,270 00 
10,650 00 
21,350 00 
5,237 50 
5,350 00 



$389,352 00 $380,063 41 



Securities held as collateral for cash loans : — 

10 shares Ashland Water Co., . 

8 " American Powder Mills, . 

9 " Chicago & West Michigan R.R 
8 " New England Tel. & Tel. Co., 

71 " Illinois Steel Co., 

58 " Pemberton Mills, 

60 " Chicago, R. I. & P. Railroad, 

7 " American Bell Telephone Co., 



Market Value. Loaned Thereon. 

$1,800 00 



8,500 00 

2,000 00 
1,000 00 



1,200 00 
139 50 >| 
712 00 I 
4,508 50 i 
7,250 00 J 
4,537 75 
1,428 00 



,725 75 $13,300 00 



MIDDLESEX MUTUAL EIRE INSURANCE CO. 



65 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 

All other cash loans, 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



$31,700 00 

95,175 00 

4,738 93 

380,063 41 

13,300 00 

30,000 00 

8,807 74 

5,067 40 

4,498 01 

19,156 23 

550 00 



$593,056 72 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, 



Net cash assets, 



14 

300,900 31 
5,825 10 
2,715 12 



310,388 67 
$282,668 05 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, .... $142,370 44 

Less reinsurance and return premiums, . . 1,270 70 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

Other sources, 



Gross cash income, 



t,741 38 
146,785 29 



$161,526 67 
19,156 23 



$141,099 74 

1,854 08 

3,508 94 

18,485 52 

520 00 

34 38 

$165,502 66 



Expenditures . 
Cash paid for losses, . 

as profits on terminated policies, . 
for commissions and brokerage, 



,736 37 
68,554 38 
21,038 26 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$84,900 00 
149,800 00 
102,000 00 



66 MILFOKD MUTUAL FIRE INSURANCE CO. 

Cash paid for salaries of officers and employees, . . . $9,332 38 

for State and local taxes, 2,012 10 

for incidentals, . . 4,343 64 



Gross cash expenditures, $158,017 13 

Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's.. 

Risks outstanding Dec. 31, 1894, $36,736,799 00 $548,448 04 $548,448 04 

Risks written during 1895, . 9,953,140 00 146,785 29 146,785 29 



Total, $46,689,939 00 $695,233 33 $695,233 3a 

Risks terminated during 1895, . 7,498,275 00 111,127 82 111,127 82 



In force at end of year, . .$39,191,664 00 $584,105 51 $584,105 51 
Deduct amount reinsured, . 27,350 00 356 93 356 93 



Net amount in force, . $39,164,314 00 $583,748 58 $583,748 58 

Miscellaneous. 

Losses incurred during the year, $52,651 00 

Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent. 



MILFORD MUTUAL FIRE INSURANCE COMPANY, MILFORD. 

[Incorporated Dec. 3, 1851. Commenced business January, 1852.] 
GEORGE L. COOKE, President. ABBOTT A. JENKINS, Secretary. 

Amount of permanent fund, ....... $7,562 74 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Fitchburg Railroad bonds, .... $4,000 00 $4,320 00 

Milford Water Company bonds, . . . 1,500 00 1,560 00 

9 shares Hide and Leather National Bank, . 900 00 949 50 

Corporation notes, 5,000 00 5,000 00 



$11,400 00 $11,829 50- 

Summary of Assets Dec. 31, 1895. 

Stocks, bonds, etc., as per schedule, . . . $11,829 50 

Cash in the office of the company, . . . 306 22 

Cash deposited in bank, 18,750 00 

Premiums in course of collection (gross), . 14,917 94 

Interest due and accrued. 907 35 

Premiums more than three mos. due, $227 62 
Unpaid assessments on deposit notes, 2,008 58 

Gross assets, $46,711 01 



MILFORD MUTUAL FIRE INSURANCE CO. 



67 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, . 
Commissions and brokerage, . 
Reinsurance premium due other companies, 
Reinsurance disallowed, .... 
Gross liabilities, .... 



$2,277 42 

4,000 00 

142 85 

19,944 23 

3,723 63 

3,756 76 

425 82 

66 34 



$34,337 05 



Net cash assets, $ 12,373 96 



Income. 



Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, . . . . . 
Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash premiums received, . 
Received for extra premiums, . 
Interest and dividends received from all 
Received from assessments, 

Gross cash income, 



1,263 16 
96 54 



$8,166 62 
49,519 97 

$57,686 59 
15,145 56 



,541 03 
11,180 37 



sources, 



$31,360 66 


135 49 


518 10 


11 82 


$32,026 07 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rents, 

for incidentals, 
Profit and loss, 



$19,014 73 
320 69 



$18,694 04 

4,444 45 

3,910 43 

426 03 

132 00 

334 84 

43 89 



Gross cash expenditures, 



$27,985 68 



68 



MUTUAL FIRE ASSURANCE CO. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Risks terminated during 1895, . 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

$48,102 66 
49,519 97 



13,468,413 00 
3,460,054 00 

^6,928,467 00 
3,935,951 00 



,102 66 
49,519 97 



$97,622 63 
54,443 69 



£97,622 63 
54,443 69 



>,992,516 00 
43,437 00 



$43,178 94 
535 01 



$2,949,079 00 $42,643 93 



Miscellaneous. 
Losses incurred during the year, 



$43,178 94 

535 01 

$42,643 93 

$21,878 00 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

[Incorporated Feb. 23, 1827. Commenced business July 26, 1827.] 
GEO. B. HOLBROOK, President. FRANK R. YOUNG, Secretary. 



Amount of permanent fund, .... 

Detailed Statement of Stocks, 

Vermont Valley Railroad bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Western Union Telegraph bonds, . 
Chesapeake & Ohio Railroad bonds, 
Ohio Southern Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chicago, Burlington & Quincy Railroad bonds, 
Philadelphia, Wilmington & Bait. R.R. bonds, 
Holyoke Electric Street R.R. bonds, 
Boston & Albany R.R. bonds, . 

75 shares Second National Bank, Springfield 

61 ' 

25 

25 

25 

10 

10 

50 

20 

50 
100 
150 

55 

40 



Chicopee Nat'l Bank, Springfield, 
John Hancock Natl Bank, Spr'ld, 
First National Bank, Springfield, 
Chapin National Bank, Springfield 
Monson National Bank, Monson, 
First National Bank, Chicopee, 
Hadley Falls Nat'l Bank, Holyoke, 
Springfield Nat'l Bank, Springld, 
Commerce Nat'l Bank, Boston, 
Boston & Albany R.R., . 
N. Y. Central & Hudson River R.R. 
Chicago, Burl. & Quincy R.R., 
Lake Shore & Mich. R.R., 



Bonds, etc. 

Par Value. 

$4,000 00 
500 00 
7,000 00 
4,000 00 
3,000 00 
5,000 00 
500 00 
4,000 00 
6,000 00 

10,000 00 
7,500 00 
6,100 00 
2,500 00 
2,500 00 
2,500 00 
1,000 00 
1,000 00 
5,000 00 
2,000 00 
5,000 00 

10,000 00 

15,000 00 
5,500 00 
4,000 00 



$117,216 93 

Market Value. 

$4,400 00 

520 00 

7,420 00 

4,360 00 

2,790 00 

5,000 00 

520 00 

4,000 00 

6,300 00 

10,600 00 

10,125 00 

9,455 00 

3,125 00 

2,525 00 

3,625 00 

1,500 00 

1,500 00 

7,500 00 

2,800 00 

5,600 00 

20,800 00 

14,550 00 

4,180 00 

5,800 00; 



f 113,600 00 $138,995 00 



MUTUAL FIRE ASSURANCE CO. 



69 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums more than three mos. due, $328 40 
Gross assets, 



$19,950 00 
233 82 

138,995 00 

693 40 

7,873 20 

459 57 



$168,204 99 



Liabilities. 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Gross liabilities, . . . 



$40,326 09 
138 82 



40,464 91 



Net cash assets, $127,740 08 



Income. 

Cash premiums received, 

Received for extra premiums, 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 

Gross cash income, 



,174 75 

121 00 

1,273 68 

5,741 39 

$24,310 82 



Expenditures. 
Cash paid for losses, .... 

as profits on terminated policies, 
for salaries of officers and employees, 
for State and local taxes, 

for rents, 

for incidentals, .... 

Gross cash expenditures, . 



$636 77 
12,496 76 
3,500 00 
p 164 41 
' 500 00 
269 90 

$17,567 84 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $4,820,923 00 
Risks written during 1895, . 1,096,075 00 



Total, 

Risks terminated during 1895, . 



In force at end of year, 



>,916,998 00 
932,950 00 



Cash Prem's. Conting't Prem's. 

$74,610 84 $74,610 84 
17,174 75 17,174 75 



191,785 59 
12,971 47 



. $4,984,048 00 $78,814 12 



'.91,785 59 
12,971 47 

,814 12 



Miscellaneous. 

Losses incurred during the year, $637 00 

Percentage of profits or surplus returned during 1895, 90 per cent. 

* Value of lands mortgaged $12,100 00 

Value of buildings thereon 19,400 00 

Amount of insurance held as collateral, .... 19,600 00 



70 



MUTUAL PROTECTION FIRE INSURANCE CO. 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 10, 1861. Commenced business July 15, 1864.] 
AMOS STONE, President. GEO. H. PENDERGAST, Secretary. 

Office, Thompson Square, Charlestown. 
Amount of permanent fund Dec. 31, 1894, .... $52,639 30 



Detailed Statement of Stocks, 

10 shares Monument National Bank, 
20 " National Bank of the Republic, 
31 " Charlestown Gas and Electric Co., 
10 " Somerville Electric Light Co., 
50 " Atch., Top. & Santa Fe R.R., . 
Northern Pacific Railroad bonds, 



Bonds, etc. 

Par Value. 

$1,000 00 
2,000 00 
1,550 00 
1,000 00 
5,000 00 
2,000 00 



Market Value. 

$2,350 00 

3,040 00 

2,015 00 

1,000 00 

700 00 

2,280 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross) , 

Rents due and accrued, 

Premiums more than three mos. due, $304 51 
Gross assets, 

Liabilities. 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, . 

Gross liabilities, 

Net cash assets, $ 58,896 03 



$12,550 00 


$11,385 00 


31, 1895. 




$14,900 00 




30,600 00 




1,629 08 




11,385 00 




1,043 08 




12,966 85 




424 62 




428 80 






$73,377 43 




$14,253 75 




227 65 






14,481 40 





Income. 

Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

t 

Net collected, .... 

Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 



$988 83 
109 95 

$878 88 
10,225 66 

$11,104 54 
729 13 

$10,375 41 
194 19 



,181 22 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



71 



Received for extra premiums, 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, 



Expenditures. 



Cash paid for losses, 

as profits on terminated policies, 
for commissions and brokerage, 
for State and local taxes, . 

for rent, 

for repairs on real estate, 

Gross cash expenditures, . 



$46 


93 


1,275 


00 


892 


63 


574 50 


$12,970 28 


$1,261 


27 


2,243 


86 


1,924 


31 


449 


96 


500 00 


1,116 


52 



$7,495 92 



Risks and Premiums. 

Amount. 

Risks outstanding Dec. 31, 1894, $1,405,733 00 
Risks written during 1895, . 656,592 00 



Total, 

Risks terminated during 1895, . 

In force at end of year, 



!,062,325 00 
294,560 00 



Cash Prem's. Conting't Prein's. 

$17,927 08 $17,927 08 
10,225 66 10,225 66 



:,767,765 00 $24,442 15 



,152 74 $28,152 74 
3,710 59 3,710 59 



,442 15 



Miscellaneous. 

Losses incurred during the year, $1,261 00 

Percentage of profits or surplus returned during 1895, 20, 40 and 70 per cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

[Incorporated February, 1829. Commenced business May 1, 1829.] 
AMOS NO YES, President. LAWRENCE W. BROWN, Secretary, 

Amount of permanent fund, $27,021 89 



Detailed Statement op Stocks, Bonds, etc. 



100 shares Mer. Nat'l Bank, Newburyport, 
9 " Mech. Nat'l Bank, Newburyport, 
31 " Ocean Nat 1 l Bank, Newburyport, 
15 " Washington Nat'l Bank, Boston, 
10 " Hide & Lea. Nat'l Bank, Boston, 
10 " Market Nat'l Bank, Boston, . 



Par Value. 

$2,000 00 
900 00 
1,550 00 
1,500 00 
1,000 00 
1,000 00 



Market Value. 

$2,600 00 
1,215 00 
1,550 00 
1,605 00 
1,060 00 
800 00 



72 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



10 shares Shoe & Lea. Nat'l Bank, Boston, 

10 " Hancock Nat'l Bank, Boston, . 
5 " Chic. June. & Stock Yard R.R., 

14 " Chic, Burlington & Quincy R.R., 

20 " Boston & Maine R.R., 
General Electric bonds, . 
U. S. Rubber preferred bonds, 
Westinghouse preferred bonds, 
Rutland Railroad bonds, . 
Chic, Burl. & Northern Railroad bonds, . 
Atch., Topeka & Santa Fe R.R. bonds, 
Consolidated Railroad of Vermont bonds, 
Fall River city bonds, .... 



Par Value. 

$1,000 00 
1,000 00 

500 00 
1,400 00 
2,000 00 

500 00 
1,000 00 

500 00 
1,500 00 
2,000 00 
4^000 00 
2,000 00 
1,000 00 



Market Value. 

$900 00 

900 00 

510 00 

1,078 00 

3,400 00 

300 00 

360 00 

530 00 

1,590 00 

2,060 00 

720 00 

1,740 00 

1,000 00 



$26,350 00 $23,918 00 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks, bonds, etc, as per schedule, 
Loans on personal security, 
Cash deposited in banks, . 
Rents due and accrued, 
Gross assets, 



Summary of Assets Dec. 31, 1895. 
st liens*), 



$700 00 

19 00 

23,918 00 

250 00 

3,303 61 

25 00 



,215 61 



Liabilities. 

Unearned premiums on outstanding risks, 
Gross liabilities, 



$4,480 48 



4,480 48 



Net cash assets, . $23,754 IS 



Income. 

Premiums on risks written or renewed, . 
Less reinsurance and return premiums, . 

Net cash premiums received, .... 

Received for extra premiums, . . . 
Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from policy fees, 



,518 85 
40 41 



Gross cash income, 



$1,478 44 

34 25 

38 50 

1,234 35 

72 55 

$2,858 09 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 



$30 25 
1,176 31 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$900 00 

1,400 00 

600 00 



$500 00 


1 


70 


239 


10 



NEW ENGLAND MUTUAL FIRE INSURANCE CO. 73 

Cash paid for salaries of officers and employees, 
for State and local taxes, . 

for rent and incidentals, . . 

Gross cash expenditures, $1,947 36 

Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, 8696,835 00 $8,783 45 $35,133 80 

Risks written during 1895, . 116,060 00 1,518 85 6,075 40 



Total, . . . . . . $812,895 00 $10,302 30 $41,209 20 

Risks terminated during 1895, . 93,760 00 1,216 72 4,866 88 



In force at end of year, . . $719,135 00 $9,085 58 $36,342 32 

Miscellaneous. 

Losses incurred during the year, ...... $30 00 

Percentage of profits or surplus returned during 1895, 100 per cent. 



NEW ENGLAND MUTUAL FIRE INSURANCE COMPANY, BOSTON* 

[Incorporated Jan. 20, 1894. Commenced business March 1, 1894.] 
JOHN J. WHIPPLE, President. RANSOM D. PRATT, Secretary. 

Office, 36 Central Street. 

Summary of Assets Dec. 31, 1895. 

Loan on personal security, .... $625 52 

Cash in the office of the company, . . . 518 41 

Cash deposited in bank, etc., .... 29,444 80 

Interest due and accrued, 201 41 

Premiums in course of collection (gross), . 4,105 82 

Rents due and accrued, 66 66 

Attached broker's account, . . $61 97 
Premiums more than three mos. due, 33 04 

Gross assets, $34,962 62 

Liabilities. 

Losses adjusted, unpaid, $171 21 

claimed and reported, .... 8,300 00 

disputed or resisted, .... 1,675 00 



Total amount of losses, $10,146 21 



74 



NEW ENGLAND MUTUAL FIRE INSURANCE CO. 



Unearned premiums on outstanding risks, . $19,606 15 

Due and accrued for expenses, . . . 17 62 

Commissions and brokerage, . . . . 1,026 45 

Gross liabilities, 



Net cash assets, 



,796 43 



t,166 19 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, ...... 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest and dividends received from all 

Income from rents, . . 

Income from all other sources, 

Gross cash income, . . 



$17,997 78 
71,961 55 



,959 33 
4,138 86 



sources, 



,820 47 
28,817 76 



$57,002 71 
420 67 
404 79 
337 30 
268 48 

$58,433 95 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, 

for incidental expenses, . 

Gross cash expenditures, . 



$21,866 04 

14,435 95 

2,828 27 

147 49 

809 76 

2,352 83 

$42,440 34 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $4,285,116 00 $53,436 99 $160,310 97 

Risks written during 1895, . 4,436,102 00 71,961 55 215,884 65 



Total, .... $8,721,218 00 $125,398 54 $376,195 62 

Risks terminated during 1895, . 6,631,685 00 86,476 45 259,429 35 



In force at end of year, . 



!,089,533 00 $38,922 09 $116,766 27 



Miscellaneous. 
Losses incurred during the year, 



11,839 00 



NORFOLK MUTUAL FIRE INSURANCE CO. 



75 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

[Incorporated Feb. 12, 1825. Commenced business July 1, 1825.] 
J. WHITE BELCHER, President. ELIJAH HOWE, Jr., Secretary. 

Permanent fund Dec. 31, 1895, $334,201 14 



Detailed Statement of Stocks, Bonds, etc. 



Old Colony R.R. stock, 

Boston & Lowell R.R. stock, 

Boston & Albany R R. stock, . 

Boston & Providence R.R. stock, 

Chicago, Burl. & Quincy R.R. stock, 

Atch., Topeka & Santa Fe R.R. stock, 

Dedham Water Co. stock, 

Salem city water bonds, . 

Randolph town notes, 

Cincinnati city bonds, 

Boston city bonds, 

Boston & Maine Railroad bonds, 

Washington County (111.) bonds, 

Boston & Providence Railroad bonds, 

Boston & Lowell Railroad bonds, 

Maine Central Railroad bonds, 

Oregon Short Line Railroad bonds, . 

Kan. City, St. J. & Council Bluffs R.R. bonds, 

Concord & Montreal R.R. bonds, 

Atch., Topeka & Santa Fe R.R. bonds, 

Northern Pacific Railroad bonds, 

Philadelphia & Reading R.R. bonds, 

Old Colony R.R. bonds, . . 

Union Pacific Railway bonds, . 

Fremont, Elkhorn & Mo. Valley R.R. bonds, 

Fitchburg Railroad bonds, 

Grand Avenue R'y, Kansas City, bonds, ., 

Consolidated Street Railway Co. bonds, . 

Minneapolis Gas Light Co. bonds, . 

Conn. & Passumpsic Rivers R.R. bonds, . 

N. H. Trust Company bonds, . 

Western Security Company bonds, . 

N. E. Mortgage Security Co. bonds, 

Lombard Investment Co. bonds, 

Portland & Rumford Falls R.R. bonds, 

Boston & Maine R R. bonds, . 



Par Value. 

$10,000 00 

7,500 00 

12,500 00 

2,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

9,300 00 

25,000 00 

10,000 00 

10,000 00 

5,000 00 

20,000 00 

20,000 00 

15,000 00 

10,000 00 

9,000 00 

10,000 00 

48,000 00 

3,000 00 

8,000 00 

22,000 00 

25,000 00 

5,000 00 

20,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

5,000 00 

23,000 00 

3,600 00 

8,000 00 

6,000 00 



Market Value. 

$17,800 00 

15,225 00 

25,750 00 

5,260 00 

7,700 00 

1,400 00 

5,000 00 

5,100 00 

9,300 00 

29,500 00 

11,000 00 

10,300 00 

5,000 00 

20,800 00 

20,500 00 

15,750 00 

10,300 00 

10,800 00 

10,300 00 

25,560 00 

3,420 00 

10,160 00 

22,740 00 

23,020 00 

6,300 00 

20,000 00 

4,800 00 

5,250 00 

5,000 00 

5,100 00 

7,000 00 

3,000 00 

20,700 00 

2,350 00 

8,400 00 

6,975 00 



$411,900 00 $416,560 00 



76 



NORFOLK MUTUAL FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in office and bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three months due, $50 00 
Gross assets, 



$12,000 00 

49,248 12 

726 62 

416,560 00 

6,968 65 

4,508 33 

6,574 99 

362 50 



$496,949 21 



Liabilities. 

Unearned premiums on outstanding risks, 
Return premiums on cancelled policies 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Gross liabilities, 



Net cash assets, 



$152,588 53 

333 99 

4,602 43 

986 24 



158,511 19 
|338,438 02 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, . . . . 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . 



Gross cash income, 



$5,413 79 
65,721 53 

$71,135 32 
6,624 99 

$64,510 33 
985 81 



sources, 



$63,524 52 

2,535 36 

18,939 13 

829 17 

$85,828 18 



Expenditures. 

Net cash paid for losses, 

Cash paid as profits on terminated policies, . 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

for expenses on real estate, 

Gross cash expenditures, .... 



$22,674 09 
32,419 98 
9,392 57 
6,421 36 
953 99 
2,348 31 
1,170 23 

$75,380 53 



OLD COLONY MUTUAL FIRE INSURANCE CO. 



77 



Risks and Premiums. 

Amount. Cash Prem's. ContlnR't Prem'8. 

Risks outstanding Dec. 31, 1894, $19,798,931 00 $287,840 76 $287,840 76 

Risks written during 1895, . 4,408,464 00 65,721 53 65,721 53 



Total, 



Risks terminated during 1895, . 3,569,024 00 
In force at end of year, . 



.$24,207,395 00 $353,562 29 $353,562 29 
53,735 05 53,735 05 



$20,638,371 00 $299,827 24 $299,827 24 



Miscellaneous. 

Losses incurred during the year, $20,856 00 

Percentage of profits or surplus returned during 1895, 33}, 50, 70 per cent. 



OLD COLONY MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 13, 1894. Commenced business April 10, 1894.] 
WILLIAM E. RUSSELL, President. RAYMOND HAYES, Secretary. 

Office, 108 Water Street. 



Summary of Assets Dec. 31, 1895. 



Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Bills receivable, 

Gross assets, 



$2,909 05 

20,677 19 

24,579 30 

319 63 



,485 17 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Reinsurance, 

Gross liabilities, .... 

Net cash assets, .... 



$6,382 21 

7,400 00 

500 00 

.14,282 21 
5,100 00 

$9,182 21 

28,930 43 

295 49 

450 00 

3,344 40 

1,835 46 



44,037 99 
$4,447 18 



78 



OLD COLONY MUTUAL FIRE INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Return premiums on cancelled reins, policies, . 

Interest and dividends received from all sources, 

Organization expenses, ..... 



,655 84 
97,269 48 

$122,925 32 
24,579 30 



,346 02 
44,256 46 



Gross cash income, 



$54,089 56 

5,585 98 

353 32 

1,500 00 

$61,528 86 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



|33,592 99 
3,265 54 



$30,327 45 
8,785 40 
5,328 64 
1,330 66 
7,978 52 

$53,750 67 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's» 

Risks outstanding Dec. 31,1894, $4,895,039 00 $71,84185 $215,52555 

Risks written during 1895, . 6,947,370 00 97,269 48 291,808 44 



Total,. . . . .$11,842,409 00 $169,111 33 $507,333 99 
Risks terminated during 1895, . 7,244,917 00 101,157 12 303,471 36 



In force at end of year, . . $4,597,492 00 $67,954 21 $203,862 63 
Deduct amount reinsured, . 522,901 00 10,093 36 30,280 08 



Net amount in force, 



t,074,591 00 $57,860 85 $173,582 55 



Miscellaneous. 
Losses incurred during the year, 



$43,328 00 



PAPER MILL MUTUAL FIRE INSURANCE CO. 



79 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated November, 1886. Commenced business April 1, 1887.] 



R. W. TOPPAN, President. 



D. W. LANE, Secretary. 



Office, 31 Milk Street. 



Detailed Statement of Stocks, 

Portland & Ogdensburg R.R. bonds, 
Fitchburg Railroad bonds, .... 
Cincinnati, Sandusky & Cleveland R.R. bonds, 
Maine Central R.R. bonds, 
Pennsylvania R R. bonds, . 
Newton water bonds, 
Boston & Albany R.R. bonds, 
Boston & Maine R R. bonds, 



Bonds, etc. 

Par Value. 

$5,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 
5,000 00 

10,000 00 
5,000 00 



Market Value. 

$5,150 00 
5,150 00 
5,350 00 

10,800 00 
5,750 00 
5,350 00 

10,600 00 
5,750 00 



$50,000 00 $53,900 00 



Summary of Assets Dec 

Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1895. 



$53,900 00 

106 78 

1,739 47 

637 50 

331 28 



$56,715 03 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 
Gross liabilities, 

Net cash assets, ..... 



$580 00 
26,755 48 

95 m 



27,431 14 
$29,283 89 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, . 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Interest and dividends received from all sources, 



$460 31 
56,619 26 



$57,079 57 

331 28 

$56,748 29 

2,658 82 



|54,089 47 
2,146 72 



Gross cash income, . $56,236 19 



80 



QUINCY MUTUAL FIRE INSURANCE CO. 



Expenditures. 



Cash paid for losses, 

as profits on terminated policies, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, . . . . . . 

for incidentals, . . 

Gross cash expenditures, .... 



$14,042 52 

41,260 40 

3,224 99 

549 78 

240 00 

1,328 27 

,645 96 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $5,547,461 00 $53,729 92 $268,649 60 

Risks written during 1895, . 5,947,229 00 56,619 26 283,096 30 



Total,. . . . .$11,494,690 00 $110,349 18 $551,745 90 
Risks terminated during 1895, . 5,913,449 00 56,838 22 284,191 10 



In force at end of year, 



>,581,241 00 



,510 96 $267,554 80 



Miscellaneous. 

Losses incurred during the year, $14,622 00 

Percentage of profits or surplus returned during 1895, 76 -^fo per cent. 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

[Incorporated March 22, 1851. Commenced business May, 1851.] 
CHARLES A. ROWLAND, President. WM. H. FAY, Secretary. 

Amount of permanent fund, . $350,000 00 



Detailed Statement of Stocks, Bonds, etc. 



88 shares Rockland National Bank, Boston, 



200 
370 
70 
50 
40 
35 

m 

37 

50 
46 
75 
25 



Manufacturers' Nat'l Bank, Boston, 
Third National Bank, Boston, 
Second National Bank, Boston, 
First National Bank, Boston, . 
Merchants' National Bank, Boston, 
State National Bank, Boston, . 
Washington National Bank, Boston, 
Revere National Bank, Boston, 
Hamilton National Bank, Boston, . 
Continental National Bank, Boston, 
Redemption National Bank, Boston, 
Market National Bank, Boston, 



Par Value. 

$8,800 00 
20,000 00 
37,000 00 
7,000 00 
5,000 00 
4,000 00 
3,500 00 
6,600 00 
3,700 00 
5,000 00 
4,600 00 
7,500 00 
2,500 00 



Market Value. 

$12,408 00 

20,000 00 

32,930 00 

12,670 00 

12,000 00 

6,120 00 

3,850 00 

7,062 00 

3,330 00 

5,400 00 

4,830 00 

9,000 00 

2,325 00 



QUINCY MUTUAL FIRE INSURANCE CO. 



81 



100 shares North National Bank, Boston, 
244 " Mt. Wollaston Natl Bank, Quincy, 
44 " Granite National Bank, Quincy, 
50 " Wachusett Nat'l Bank, Fitchburg, 
64 " Hingham Nat'l Bank, Hingham, 
48 ". First Nat'l Bank, Weymouth, 
38 " Union Nat'l Bank, Weymouth, 

10 " Quinsigamond N'l B'k, Worcester, 
50 " Brockton National Bank, Brockton, 
29 " Plymouth National B'k, Plymouth, 
25 " First National Bank, West Newton, 

200 " Chicago, Burl. & Quincy R.R., 
300 " Boston & Lowell Railroad, . 

11 " Old Colony Railroad, 
107 " Hingham Cordage Co , . 
178 " Lawrence Duck Co., 

50 " State St. Safe Deposit & Trust Co 
East Middlesex Street R.R. bonds, . 
Chicago, Burlington & Quincy R R. bonds, 
Decatur Water Works Co. bonds, . 
City of Quincy notes, .... 

Securities held as collateral for cash loans 

Eureka Silk Co., 

100 shares North Packing and Provision Co., 

41 " Nat'l Granite Bank, Quincy, . 
200 " Indiana Manufacturing Co., . 

15 " Minnehaha Trust Co., 

15 " Sioux Falls National Bank, . 

50 " Fitchburg R.R. Co., 

50 " National Lead Co., . 

50 " Central Investment Association, 
Union Pacific Railway Co. bonds, 
United Gas Co. bonds, .... 
Chicago & No. Michigan R'y bonds, 
Northern Pacific R R. bonds, . 
33 shares Delaware & Hudson Canal Co., 
Iowa Central R.R. bonds, .... 



Par Value. 

$10,000 00 

24,400 00 

4,400 00 

5,000 00 

4,480 00 

4,800 00 

3,800 00 

1,000 00 

5,000 00 

2,900 00 

2,500 00 

20,000 00 

30,000 00 

1,100 00 

10,700 00 

17,800 00 

5,000 00 

10,000 00 

11,500 00 

14,300 00 

3,300 00 



Market Value. 

$10,700 00 

31,720 00 

6,160 00 

10,000 00 

4,480 00 

5,280 00 

3,990 00 

1,100 00 

6,250 00 

3,045 00 

2,500 00 

15,400 00 

60,000 00 

1,947 00 

10,000 00 

17,800 00 

5,000 00 

10,000 00 

13,200 00 

5,000 00 

3,300 00 



$307,180 00 $358,797 00 



Market Value. 

$5,000 00 
9,000 00 

5,535 00 

10,000 00 

1,500 00 

1,500 00 

4,600 00 

4,300 00 

5,000 00 

9,500 00 

8,000 00 )> 

650 CO 

750 00 

4,290 00 

1,000 00 J 



Loaned Thereon. 

$11,500 00 

4,800 00 
2,200 00 

2,500 00 



32,500 00 



$70,625 00 $53,500 00 



Summary of Assets Dec. 31, 1895. 
Cash value of unencumbered real estate, . $17,000 00 

: Loans on mortgage of real estate (first liens*), 61,300 00 

I Interest due or accrued thereon, . . . 1,293 53 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$62,800 00 
61,000 00 
60,700 00 



82 



QUINCY MUTUAL FIRE INSURANCE CO. 



Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
All other cash loans, .... 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 
Rents due and accrued, .... 
Gross assets, 



$358,797 00 

53,500 00 

65,000 00 

150 00 

37,968 20 

6,163 00 

12,881 17 

300 00 



$614,352 90 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Gross liabilities, ..... 



$4,543 43 

255,485 94 

3,500 00 

300 00 

300 00 



264,129 37 



Net cash assets, $350,223 53 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Gross cash income, . 



$11,751 46 
147,453 23 



$159,204 69 
12,881 17 



$146,323 52 
4,401 22 



sources, 



$141,922 30 

1,888 89 

3,308 69 

20,050 36 

914 60 



$168,084 84 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



,682 24 

72,360 57 

22,606 79 

11,821 75 

2,789 18 

7,033 91 



$163,294 44 



RUBBER MANUFACTURERS' MUTUAL INSURANCE CO. 'S3 



Risks and Premiums. 

Amount. Cash Prem's. Conting't I'rem's. 

Risks outstanding Dec 31, 1894, $34,340,777 00 $509,409 62 $509,409 62 

Risks written during 1895, . 9,574,457 00 147,453 23 147,453 23 



Total, $43,915,234 00 $656,862 85 $656,862 85 

Risks terminated during 1895, . 9,073,174 00 136,876 64 136,876 64 



In force at end of year, . .$34,842,060 00 $519,986 21 $519,986 21 
Deduct amount reinsured, . 5,500 00 58 45 58 45 



Net amount in force, . .$34,836,560 00 $519,927 76' $519,927 76 



„ Miscellaneous. 

Losses incurred during the year, $48,657 00 

Percentage of profits or surplus returned during 1895, 25, 50, 75 per cent. 



RUBBER MANUFACTURERS 1 MUTUAL INSURANCE COMPANY, 

BOSTON. 

[Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885.] 

E. S. CONVERSE, President. B. F. TAFT, Secretary. 

Office, 31 Milk Street. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Fitchburg Railroad bonds, .... $5,00000 $5,15000 

Boston & Lowell Railroad bonds, . . . 10,000 00 10,100 00 

Maine Central Railroad bonds, . . . 26,000 00 26,400 00 

Ticonderoga Pulp & Paper Co. bonds, . . 5,000 00 5,000 00 

New York & New England Railroad bonds, . 8,000 00 9,360 00 

Metropolitan Railroad bonds, .... 1,000 00 1,020 00 

Boston Consolidated Street Railroad bonds, . 12,000 00 12,480 00 

Middlesex Railroad bonds 1,000 00 1,020 00 

Cambridge Street Railroad bonds, . . . 1,000 00 1,030 00 

Cheshire Railroad bonds, ' 4,000 00 4,160 00 

Maiden Electric Company bonds, . . . 5,000 00 5,000 00 

General Electric Company bonds, . . . 1,000 00 850 00 

218 shares United States Rubber Company, . 21,800 00 18,748 00 

General Electric Company stock, . . . 5,000 00 2,500 00 

Lynn & Boston R.R. bonds, .... 1,000 00 1,000 00 

East Middlesex St. R'y bonds, . 7,000 00 7,000 00 

Bangor & Aroostook R R. bonds, . . . 10,000 00 10,100 00 

Corporation notes, 76,040 76 76,040 76 



$199,840 76 $196,958 76 



84 RUBBER MANUFACTURERS' MUTUAL INSURANCE CO. 



31, 1895. 

$196,958 76 

450 53 

29,395 12 

3,686 79 

6,177 19 

555 50 



Summary of Assets Dec 

Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 

Liabilities. 
Losses claimed and reported, .... $1,806 00 

Unearned premiums on outstanding risks, . 124,817 91 

State and local taxes, 507 00 

Gross liabilities, 

Net cash assets, . . 

Income. 
Premiums outstanding Dec. 31, 1894, . . $3,663 14 

Premiums on risks written or renewed, . . 248,613 03 

Total, $252,276 17 

Premiums now in course of collection, . . 6,177 19 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 

Gross cash income, ........ 

Expenditures. 

Cash paid for losses, 

as profits on terminated policies, . 
for inspections, .... 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31, 1894, $19,888,500 00 $181,386 32 
Risks written during 1895, . 27,763,210 00 248,613 03 



$237,223 89 



127,130 91 
$110,092 98 



|246,098 98 
9,387 15 

$255,486 13 



$61,371 81 

133,140 88 

7,361 85 

5,365 00 

3,094 51 

11,515 71 

$221,849 76 



Conting't Prem's. 

|906,931 60 
1,243,065 15 



Total .$47,651,710 00 

Risks terminated during 1895, . 22,760,507 00 



$429,999 35 
180,363 53 



',149,996 75 
901,817 65 



In force at end of year, 



$24,891,203 00 $249,635 82 $1,248,179 10 



Miscellaneous. 

Losses incurred during the year $62,190 00 

Percentage of profits or surplus returned during 1895, 70 per cent. 



SALEM MUTUAL FIRE INSURANCE CO. 



85 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

[Incorporated April 17, 1838. Commenced business May, 1838.] 
SAMUEL A. POTTER, President. HOWARD S. PORTER, Secretary. 

Amount of permanent fund, $52,580 66 

Detailed Statement of Stocks, Bonds, etc. 

Pat- Value. Market Value. 

Old Colony Railroad bonds, .... $1,000 00 $1,02500 

Fitchburg Railroad bonds, .... 4,000 00 4,165 00 

Boston & Lowell Railroad bonds, . . . 3,000 00 3,130 00 

Boston & Maine Railroad bonds, . . . 1,000 00 1,035 00 

Keene (N.H.) city bonds, .... 1,00000 1,03500 

Haverhill city bonds, 3,000 00 3,045 00 

Springfield city bonds, . ... . 1,000 00 1,220 00 

Springfield (Ohio) city bonds, . . .' 1,150 00 1,253 50 

Toledo (Ohio) city bonds, .... 2,00000 2,220.00 

Cincinnati city bonds, ..... 1,000 00 1,210 00 

Chicago city bonds, . . . . . . 3,000 00 3,045 00 

Danvers town bonds, 1,000 00 1,015 00 

Woburn city bonds, . . . . . 2,000 00 2,055 00 

Brockton city bonds, 1,000 00 1,030 00 

Peabody town bonds, . . . . . 1,000 00 1,025 00 

New Britain (Conn.) city bonds, . . . 2,000 00 2,085 00 

Stoneham town bonds, . . . . 2,000 00 2,075 00 

Cleveland city bonds, 3,000 00 3,210 00 

Cook County bonds, 1,000 00 1,010 00 

9 shares Boston & Maine R.R., . . . 900 00 1,425 00 

5 " National Exchange Bank, Salem, . 500 00 460 00 

20 " Salem National Bank, . . . 2,000 00 2,#00 00 

14 " Asiatic National Bank, ... 420 00 420 00 

15 " Salem Gas Company, . . . 1,500 00 1,425 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three months due, $37 37 
Gross assets, 



$39,470 00 


$42,018 50 


. 31, 1895. 




$12,000 00 




14,700 00 




83 69 




42,018 50 




372 71 




227 04 




497 78 




2,260 26 




40 00 

7 


<K79 1QQ Q« 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$7,400 00 

14,600 00 

8,800 00 



86 



SALEM MUTUAL FIRE INSURANCE CO. 



Liabilities. 
Losses adjusted, unpaid, : 

Unearned premiums on outstanding risks, 

Surplus due on terminated policies, 

Due and accrued for rent, salaries, etc , . 

Commissions and brokerage, . 

Gross liabilities, . ■ . ' . 



Net cash assets, 



$26 62 

23,750 25 

1,163 02 

475 00 

381 31 



Income. 
Premiums outstanding Dec. 31, 1894, . . $2,205 34 

Premiums on risks written or renewed, . . 21,639 61 

Total, $23,844 95 

Premiums now in course of collection, . . 2,297 63 

Entire premiums collected, .... $21,547 32 
Less reinsurance and return premiums, . . 516 43 

Net cash premiums received, .... 

Received for extra premiums, 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, . 



Gross cash income, 

Expenditures. 
Cash paid for losses, . . . 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash jiiid as profits on terminated policies, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents and incidentals, 

Gross cash expenditures, .... 



$25,796 20 



,403 78 



$21,030 89 


115 


45 


758 


00 


1,577 


28 


305 


05 



,786 67 



$3,267 51 




2 85 






$3,264 66 
5,020 53 






3,144 15 




2,804 90 




354 07 




790 37 




$15,378 68 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Risks terminated during 1895, . 

In force at end of year, . 



Amount. 

52,205,709 00 

1,325,309 00 

.3,531,018 00 

909,462 00 



Cash Prem's. Conting't Prem's. 

$35,771 91 $35,771 91 
21,639 61 21,639 61 



$57,411 52 
14,035 45 



1,621,556 00 $43,376 07 



$57,411 52 
14,035 45 



3,376 07 



Miscellaneous. 

Losses incurred during the year, $3,291 00 

Percentage of profits or surplus returned during 1895, 40 per cent. 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE CO. 87 



SALISBURY AND AMESBURY MUTUAL FIRE INSURANCE 
COMPANY, AMESBURY. 

[Incorporated May 18, 1855. Commenced business June 13, 1855.] 
GEORGE F. BAGLEY, President. CHARLES L. ALLEN", Secretary. 

Summary of Assets Dec. 31, 1895. 



Cash in the office of the company, . 

Cash deposited in bank, 

Premiums in course of collection (gross) , 

Office safe, $ 100 00 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 

Gross liabilities, 

Balance against the company, . 

Income. 
Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



$90 27 

337 74 

9 00 



$1,025 20 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 

Interest and dividends received from all sources, 



$23 80 
221 83 



$245 


63 


9 


00 


$236 63 


21 


38 



Gross cash income, 



Expenditures 
Cash paid for losses, .... 

as profits on terminated policies, 

for salaries of officers and employe 

for State and local taxes, 

for incidentals, 



es, 



Gross cash expenditures, 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 



Risks and Premiums. 

Amount. 

$242,261 00 
26,385 00 



$437 01 



1,025 20 



$588 19 



$215 25 
16 00 

$231 25 



$50 00 




50 


159 


00 


2 


19 


13 


00 



$224 69 



Cash Prem's. Conting't Prem's. 

$2,027 14 $20,271 40 



221 83 



Total,. . 
Risks terminated during 1895, . 

In force at end of year, . 



$268,646 00 
30,325 00 



238,321 00 



$2,248 97 
294 78 

$1,954 19 



Miscellaneous. 
Losses incurred during the year, 



2,218 30 

$22,489 70 
2,947 80 

$19,541 90 
$50 00 



88 



SAUGUS MUTUAL FIRE INSURANCE CO. 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

[Incorporated Feb. 24, 1852. Commenced business April 1, 1852.] 
HERBERT B. NEWHALL, President. • WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in 
Lynn, Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken; but assess- 
ments are made on deposit notes to pay losses and expenses. All policies are issued for a term 
of three years.] 



Summary of Assets Dec 

Cash in the office of the company, . 
Cash deposited in bank, . . 

Unpaid assessments, 

Gross assets, 



31, 1895. 



8763 80 

63 78 

339 60 



L,167 18 



Liabilities. 

Rents, salaries and incidental expenses, . 
Gross liabilities, .... 



17 50 



f 37 50 



Income. 

Interest and dividends received from all sources, 

Policy fees, 

Assessments on deposit notes, .... 

Gross cash income, 



|36 42 


562 00 


3,064 90 



5,663 32 



Expenditures. 

Cash paid for losses, 

for salaries of officers and employees, 
for State and local taxes, . 

for rents, 

for incidentals, .... 

Gross cash expenditures, .... 



$2,992 27 


1,400 


00 


28 


85 


112 


50 


228 


41 



$4,762 03 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Amount. Conting't Prem's. 

>,937,675 00 $361,982 00 
971,550 00 119,091 00 



. $3,909,225 00 $481,073 00 
965,700 00 119,113 00 



. $2,943,525 00 $361,960 00 



Miscellaneous. 

Losses incurred during the year, $2,992 00 

Assessments laid on deposit notes or contingent premiums, . 3,181 00 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



89 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

[Incorporated Juue 12, 1829. Commenced business Aug. 1, 1829.] 
WILLIAM P. CLARK, President. GEORGE M. FOSTER, Secretary. 



Amount of permanent fund, 



$54,125 18 



Detailed Statement of Stocks, 



48 " Warren National Bank, Peabody, 
51 " Asiatic National Bank, Salem, 
20 " Naumkeag National Bank, Salem, 
18 " National Exchange Bank, Salem, 
12 " First National Bank, Salem, . 
34 " First National Bank, Danvers, 
30 " Hide & Leather Nat'l Bank, Boston 
4 " Andover National Bank, Andover, 

1 " Cape Ann Nat'l Bank, Gloucester, 
10 " Manufacturers' Nat'l Bank, Boston, 
20 " Naumkeag Steam Cotton Company, 
20 " Androscoggin Mills, 

2 " Nashua Manufacturing Co., 
Cincinnati city bonds, 
Wakefield Water Co. bonds, 
Providence city bonds, 
Pittsfield city bonds, . 
Boston & Maine R.R. bonds, 
Eastern R.R. bonds, . 



Bonds, etc. 

Par Value. 

$11,100 00 
4,800 00 
1,530 00 
2,000 00 
1,800 00 
1,200 00 
2,550 00 
3,000 00 
400 00 
100 00 
1,000 00 
2,000 00 
2,000 00 
1,000 00 
2,000 00 
2,000 00 
7,000 00 
2,000 00 
3,000 00 
2,000 00 



Market Value. 

$12,987 00 

6.144 00 
1,536 37 
2,700 00 
1,728 00 
1,081 50 
2,567 00 
3,165 00 

400 00 

140 00 

1,000 00 

1,745 00 

2,325 00 

1.145 00 
2,320 00 
1,700 00 
7,700 00 
2,020 00 
3,120 00 
2,360 00 



$52,480 00 $57,883 87 



Summary of Assets Dec 



Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Gross assets, 



31, 1895. 

$57,883 87 

85 00 

8,203 38 

464 22 



$66,636 47 



Liabilities. 

Unearned premiums on outstanding risks, . $12,705 06 

Surplus due on terminated policies, . . 867 75 

Due and accrued for rent, salaries, etc., . . 537 50 

Gross liabilities, . . . ... 



14,110 31 



Net cash assets, $52,526 16 



90 



STANDARD MUTUAL FIRE INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Less reinsurance and return premiums, . 
Net cash premiums received, .... 
Interest and dividends received from all sources, 
Income from policy fees, 



$28 00 
3,214 19 



$3,242 19 
144 38 



Gross cash income, 



f 3,097 81 

2,661 20 

110 00 

$5,869 01 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, 



^1,241 


19 


2,887 


94 


1,441 


00 


31 


67 


147 


83 



$5,749 63 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total,. . . . . 
Risks terminated during 1895, . 

In force at end of year, 



Amount. 

,162,783 00 
153,700 00 

L,316,483 00 
147,250 00 



Cash Prem's. Conting't Prem's. 

$25,031 65 $75,094 95 



3,214 19 

,245 84 
3,078 44 



9,642 57 



,737 52 
9,235 32 



$1,169,233 00 $25,167 40 $75,502 20 



Miscellaneous. 

Losses incurred during the year, $1,241 00 

Percentage of profits or surplus returned during 1895, 100 per cent. 



STANDARD MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated April 13, 1894. Commenced business June 16, 1894.] 
WM. B. SEWALL, President. JAMES B. ALDEN, Secretary. 

Office, 24 Central Street. 



Detailed Statement op Stocks, Bonds, etc. 

Par Value. 

City of Newton bonds, $5,000 00 

Boston & Maine R.R. bonds, .... 5,000 00 

Boston & Albany R.R. bonds, .... 5,000 00 



Market Value 

$5,362 50 
5,687 50 
5,306 25 



$15,000 00 $16,356 25 



STANDARD MUTUAL FIRE INSURANCE CO. 



91 



Securities held as collateral for cash loans : 
Maine Central R.R. bonds, . 



Market Value. Loaned Thereon. 

11,130 00 $500 00 



Summary of Assets Dec. 31, 1895 



Stocks, bonds, etc., as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Premiums more than three mos. due, $154 42 
Gross assets, 



$16,356 25 

500 00 

251 31 

3,720 28 

13,731 59 

207 40 



$34,766 83 



Liabilities. 

Losses adjusted, unpaid, .... 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Reinsurance premiums due other companies, 
Return premiums on cancelled policies, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, 



$3,352 42 

752 50 

23,965 58 

1,328 61 

835 87 

1,487 42 

104 33 



Net cash assets, 



31,826 73 



$2,940 10 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, 

Interest and dividends received from all sources, 



$14,444 29 
73,981 15 



,425 44 

13,886 01 

$74,539 43 
25,089 59 



$49 


,449 


84 




351 


97 




420 


69 



Gross cash income, 



,222 50 



Expenditures. 



Cash paid for losses, . 

Deduct salvage and reinsurance, 

Net cash paid for losses, . 



$30,222 89 
1,849 19 



$28,373 70 



92 TEADERS' AND MECHANICS' MUTUAL FIRE INSURANCE CO. 

Cash paid for commissions and brokerage, .... $6,189 27 

for salaries of officers and employees, . . . 9,699 78 

for State and local taxes, . . . . . 577 50 

for rent and incidentals, 1,424 27 



Gross cash expenditures, $46,264 52 

Risks and Premiums. 

Amount. Cash Prem's. Contlng't Prem's. 

Risks outstanding Dec. 31,1894, $2,840,458 00 $39,213 71 $39,213 71 

Risks written during 1895, . 5,092,872 00 74,333 12 74,333 12 

Total, $7,933,330 00 $113,546 83 $113,546 83 

Risks terminated during 1895, . 4,612,078 00 62,147 78 62,147 78 



In force at end of year, . . $3,321,252 00 $51,399 05 $51,399 05 
Deduct amount reinsured, . 210,037 00 3,467 89 3,467 89 



Net amount in force, . . $3,111,215 00 $47,93116 $47,93116 

Miscellaneous. 
Losses incurred during the year, $30,727 59 



TRADERS 1 AND MECHANICS' MUTUAL FIRE INSURANCE 
COMPANY, LOWELL. 

[Incorporated June, 1848. Commenced business June, 1848.] 
LEVI SPRAGUE, President. EDWARD M. TUCKE, Secretary. 

Amount of permanent fund, $410,098 69 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

20 shares Androscoggin Mills, 

4 " Boott Cotton Mills, . 
2 " Hamilton Manufacturing Company 

50 " Lawrence Gas Company, 

231 " Lowell Gas Company, 

5 " Lowell Manufacturing Company, 
80 " Massachusetts Cotton Mills, . 
10 " Merrimack Manufacturing Co., 
15 " Middlesex Company, 
38 " Tremont & Suffolk Mills, 
55 " Old Lowell Bank, . 
20 " National Bank of North America, 
25 " Vermont & Mass. R.R., . 



$2,000 00 $2,360 00 

4,000 00 4,860 00 

2,000 00 1,930 00 

5,000 00 5,800 00 

23,100 00 57,750 00 

3,450 00 2,810 00 

8,000 00 8,000 00 

10,000 00 11,750 00 

1,500 00 1,800 00 

3,800 00 5,434 00 

5,500 00 6,765 00 

♦2,000 00 2,020 00 

2,500 00 3,625 00 



traders' and mechanics' mutual FIRE INSURANCE CO. 93 



Boston city bonds, 

Boston & Maine Railroad bonds, 

Fitchburg city bonds, 

Marblehead water bonds, . 

Maiden sewer bonds, 

Marlborough water loan, . 

Boston United Gas Co. bonds, 

East Middlesex Street Railway bonds, . 

Erie Telegraph and Telephone Co. bonds, 

Fitchburg Railroad bonds, 

Lowell & Suburban Street Railway bonds, 

Maine Central Railroad bonds, 

St. Johnsbury & Lake Champlain R.R. bonds 

Chicago Sanitary bonds, .... 

Swift Company bonds, .... 



Securities held as collateral for cash loans 

1 share Appleton Company, .... 
100 shares Lowell & Suburban Street Railway, 
40 " Lowell & Suburban Street Railway, 
70 " American Bolt Co., 
20 " Massachusetts Cotton Mills, . 

1 share Hamilton Manufacturing Company, 

1 " Lowell Manufacturing Company, . 

6 shares Vermont & Massachusetts R.R., 
30 " Lowell Gas Light Co., . 



Par Value. 

$20,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
20,000 00 
15,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 
5,000 00 



Market Value. 

$21,400 00 
22,600 00 
10,800 00 
10,700 00 
10,800 00 
10,800 00 
15,800 00 
10,500 00 
20,000 00 
15,750 00 
21,000 00 
20,400 00 
23,400 00 
21,000 00 
5,000 00 



$302,850 00 $354,854 00 



Market Value. Loaned Thereon. 



$500 00 


$200 00 


12,500 00 


10,000 00 


5,000 00 ! 
1,750 00 S 


5,200 00 


2,000 00>j 




890 oo y 


3,000 00 


562 00 J 




870 00 


750 00 


7,500 00 


4,000 00 



$31,572 00 $23,150 00 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens), 
Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Loans on collateral security, as per schedule, 
All other cash loans, 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 

Losses adjusted and reported, . 

Unearned premiums on outstanding risks, 
Surplus due on terminated policies, 
Commissions and brokerage, . 

Gross liabilities, 

Net cash assets, 



$161,639 00 

4,836 65 

354,854 00 

23,150 00 

78,800 00 

5,141 88 

37,110 14 

2,614 10 

22,592 44 



$1,616 54 

329,709 86 

4,070 18 

3,241 31 



$690,738 21 



338,637 89 
$352,100 32 



94 traders' and mechanics' mutual FIRE INSURANCE CO. 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash premiums received, . 

Received for extra premiums, . 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



5,795 19 
194,664 37 



$208,459 56 
22,592 44 



$185,867 12 
6,655 60 



$179,211 52 

1,510 65 

11,942 55 

21,091 50 

$213,756 22 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for rent and'incidentals, 

Gross cash expenditures, .... 



$75,778 57 

77,821 46 

26,751 94 

11,840 00 

2,043 19 

8,071 48 

$202,306 64 



Risks and Premiums. 



Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31,1894, $39,731,356 00 $613,002 41 $613,002 41 
Risks written during 1895, . 12,290,531 00 194,664 37 194,664 37 



Total, $52,021,887 00 $807,666 78 $807,666 78 

Risks terminated during 1895, . 10,054,062 00 155,141 74 155,141 74 



In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



.,967,825 00 $652,525 04 $652,525 04 
24,675 00 362 79 362 79 



:1,943,150 00 $652,162 25 $652,162 25 



Miscellaneous. 

Losses incurred during the year, $77,395 00 

Percentage of profits or surplus returned during 1895, 30, 50, 70 per cent. 



WACHUSETT MUTUAL FIRE INSURANCE CO. 



95 



WACHUSETT MUTUAL FIRE INSURANCE COMPANY, 

FITCHBURG. 

[Incorporated May 8, 1891. Commenced business July 1, 1891.] 
HENRY A. GOODRICH, President. FREDERICK A. CURRIER, Secretary. 



Summary of Assets Dec. 31, 1895. 

Cash in the office of the company, . . . $212 14 

Cash deposited in bank, 21,256 87 

Premiums in course of collection (gross), . 13,607 11 

Rents due and accrued, 110 75 

Premiums more than three mos. due, $ 269 40 

Gross assets, 



$35,186 87 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Return premiums on cancelled policies, 
Commissions and brokerage, . 
Due for reinsurance, .... 
Gross liabilities, .... 



Net cash assets, 



f 1,328 31 

3,000 00 

25,183 27 

4 75 

2,566 62 

10 80 



32,093 75 

$3,093 12 



Income. 

Premiums outstanding Dec. 31, 1894, . . $18,007 03 
Premiums on risks written or renewed, . . 72,712 16 

Total, $90,719 19 

Premiums now in course of collection, . . 13,876 51 

Entire premiums collected, .... $76,842 68 
Less reinsurance and return premiums, . . 25,135 96 

Net cash premiums received, .... 

Interest and dividends received from all sources* . 

Income from rents, 

Assessment on deposit notes, 



$51,706 


72 


678 


34 


579 


75 


96 


68 



Gross cash income, 



,061 49 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, .... 

Cash paid for commissions and brokerage, 



$23,987 73 
304 64 



$23,683 09 
11,763 72 



96 WESTEKN MASSACHUSETTS MUTUAL FIRE INSURANCE CO. 

Cash paid for salaries of officers and employees, . . . $4,967 94 

for State and local taxes, 498 90 

for rents, . . . # . . . . . 900 00 

for incidentals, 3,222 08 



Gross cash expenditures, $45,035 73 



Risks and Premiums. 

Amount. Cash Prem's. ContJng't Prem's.* 

Risks outstanding Dec. 31,1894, $3,605,254 00 $51,048 90 $78,547 12 
Risks written during 1895, . 4,878,129 00 72,712 16 



Total, $8,483,383 00 $123,761 06 

Risks terminated during 1895, . 5,754,038 00 73,463 94 



In force at end of year, . . $2,729,345 00 $50,297 12 
Deduct amount reinsured, . 16,512 00 279 09 



Net amount in force, . . $2,712,833 00 $50,018 03 $141,187 17 

Miscellaneous. 
Losses incurred during the year, $22,147 00 



WESTERN MASSACHUSETTS MUTUAL FIRE INSURANCE COM- 
PANY, SPRINGFIELD. 

[Incorporated Jan. 18, 1894. Commenced business Feb. 15, 1894.] 
ELISHA MORGAN, President. CHARLES E. STICKNET, Secretary. 

Summary of Assets Dec. 31, 1895. 

Cash in the office of the company, . . . $4,305 63 

Reinsurance due, etc., . 44 56 

Unpaid assessments, . . $48,598 19 

Premiums more than three mos. due, 1,253 77 

Gross assets, $4,350 19 



Liabilities. 

Losses adjusted, unpaid, ..... $16,152 65 

Losses disputed or resisted, .... 5,229 19 

Unearned premiums on outstanding risks, . 274 03 

Return premiums on cancelled policies, . . 3,623 31 

* In accordance with the by-laws of this company the contingent premium is three times the 
cash premium. 



WESTERN MASSACHUSETTS MUTUAL FIRE INSURANCE CO. 97 



Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, .... 

Balance against company, . 



$2,111 55 

2 82 


$27,393 55 




a • • 


$23,043 36 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash premiums received, . 
Assessments on contingent premiums, 
From all other sources, .... 



$13,969 44 
19,941 10 

$33,910 54 
1,253 77 

$32,656 77 
18,771 06 



Gross cash income, 



$13,885 71 
9,821 81 
2,254 06 

$25,961 58 



Expenditures. 

Cash paid for losses, . . 

Deduct salvage and reinsurance, 

Net cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . . . 

Gross cash expenditures, .... 



$18,225 86 
3,298 56 



$14,927 30 

2,146 21 

5,486 48 

448 82 

1,876 31 

$24,885 12 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstandingDec. 31, 1894, $4,492,509 00 $65,670 66 $197,011 98 

Risks written during 1895, . 1,438,265 00 19,94110 59,823 30 



Total, .... $5,930,774 00 $85,611 76 $256,835 28 
Risks terminated during 1895, . 5,882,054 00 85,063 70 255,191 10 



In force at end of year, . 



$48,720 00 



$548 06 



,644 18 



Miscellaneous. 

Losses incurred during the year, ...... $22,678 00 

Assessments laid on deposit notes or contingent premiums, . 58,420 00 



98 



WESTFORD MUTUAL FIRE INSURANCE CO. 



WESTFORD MUTUAL FIRE INSURANCE COMPANY, WESTFORD. 

[Incorporated March 16, 1840. Commenced business July, 1840.] 
ALLAN CAMERON, President. CARRIE E. READ, Secretary. 

Summary of Assets Dec 31, 1895. 

Loans on mortgage of real estate (first liens*), $4,922 34 

Interest due or accrued thereon, . . . 229 30 

Cash in the office of the company, ... 33 

Cash deposited in savings bank, . . . 4,787 78 

Gross assets, . . . . . . 



>,939 75 



Liabilities. 

Unearned premiums on outstanding risks, 
State and local taxes, ... 

Gross liabilities, .... 



Net cash assets, 



^,383 82 
6 48 



1,390 30 
<8,549 45 



Income. 

Cash premiums received, 

Received for extra premiums, . . 

Interest received on mortgages, . . 

Interest and dividends received from all other sources, 

Gross cash income, ..... 



$593 75 


2 90 


166 71 


155. 48 



$918 84 



Expenditures. 

Cash paid as profits on terminated policies, . 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Gross cash expenditures, .... 



$115 


90 


43 


90 


6 


48 


1 


25 



$167 53 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 


Amount. 

$324,310 00 
73,535 00 


Cash Prem's. Coi 

$2,699 83 
596 15 


iting't Prem's. 

$8,099 49 
1,788 45 


Total,. . . / . 
Risks terminated during 1895, . 


$397,845 00 
63,775 00 


$3,295 98 
528 35 


$9,887 94 
1,585 05 


In force at end of year, . 


$334,070 00 


$2,767 63 


$8,302 89 


* Total value of property mortgaged, . 
Amount of insurance held as collateral, . . 


. $15,500 00 
4,500 00 


i 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 



99 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

[Incorporated March, 1828. Commenced business April, 1828.] 
CHAS. W. ORDWAY, President. HENRY T. BAILEY, Secretary. 

[Note.— This company charges no cash premiums, but relies upon assessments on deposit 
notes to pay losses and expenses.] 



Summary of Assets Dec. 81, 1895. 

Unpaid assessments on deposit notes, .... 
Office furniture, 



Gross assets, 



. $100 00 



$327 81 



$327 81 



Due for borrowed money, 
Gross liabilities, 



Liabilities. 



1,335 75 



1,335 75 



Income. 

Borrowed money, ...... 

Policy fees, ....... 

Received from assessment on deposit notes, . 



Gross cash income, 



,835 75 



$131 50 
6,332 19 



>,463 69 



Expenditures. 

Cash paid for losses, . . ( . , . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents, 
Borrowed money repaid, . 
Interest on borrowed money, 
Incidental expenses, 

Gross cash expenditures, 



$5,408 00 



,730 49 


606 


88 


390 00 


61 


42 


17 


50 


350 


38 


67 


70 



t,224 37 



Risks and Premiums. 



Risks outstanding Dec. 31, 1894, 
Risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Miscellaneous. 

Losses incurred during the year, $2,730 00 

Assessments laid on deposit notes or contingent premiums, . 6,660 00 



Amount. Conting't Prem's. 

1,595,787 00 §144,668 54 
292,600 00 16,824 50 



5,387 00 $161,493 04 
380,415 00 21,873 87 



!,507,972 00 $139,619 17 



100 



WINTHROP MUTUAL INSURANCE CO. 



WINTHROP MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated June 23, 1894. Commenced business Nov. 15, 1894.] 
HENRY L. DAWES, President. EDWARD R. TINKER, Secretary. 



Summary op Assets Dec 

Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Return premiums on cancelled policies, . 
Premiums more than three mos. due, $424 06 
Gross assets, ...... 

Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Return premiums on cancelled policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Gross liabilities, 



31, 1895. 



Balance against company, . 



Income 



Premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, .... $31,096 11 

Less reinsurance and return premiums, . . 16,224 10 

Net cash premiums received, . 

Received for extra premiums, . 

Interest and dividends received from all other sources, 



$388 11 

3,858 28 

2,034 27 

77 61 



$ 1,800 00 


1,150 


00 


5,248 


14 


211 


21 


355 


43 


294 80 



$13,529 55 
162 50 



$13,367 05 
20,187 39 

$33,554 44 
2,458 33 



,358 27 



9,059 58 
$2,701 31 



$14,872 01 

103 77 

90 00 



Gross cash income, . . . . . , . . $15,065 78 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, . 

for rents, ...... 

for incidentals, .... 

Gross cash expenditures, .... 



|3,715 96 

2,887 05 

3,514 07 

184 87 

525 06 

1,666 36 



$12,493 37 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE CO. 101 



Risks and Premiums. 

Amount. Cash Prem's. 

Risks outstanding Dec. 31,1894, $1,063,992 00 $15,654 70 
Risks written during 1895, . 1,910,019 00 20,187 39 



Total, .... $2,974,011 00 
Risks terminated during 1895, 2,237,854 00 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$736,157 00 
1,000 00 



$35,842 09 
24,565 15 

$11,276 94 
20 94 



Contlng't Prem's. 

$46,973 10 
60,562 17 

$107,535 27 
73,695 45 

$33,839 82 
62 82 



$735,157 00 $11,256 00 $33,777 00 



Miscellaneous. 
Losses incurred during the year, . 



1,666 00 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE COM- 
PANY, WORCESTER. 

[Incorporated March 31, 1855. Commenced business March 31, 1855.] 
PHILIP W. MOEN, President. SAMUEL R. BARTON, Secretary. 

Detailed Statement of Stocks, Bonds, etc. 

Par Value. Market Value. 

Providence & Worcester R.R. bonds, . . $13,000 00 $13,260 00 

Fitchburg Railroad bonds, .... 15,000 00 16,050 00 

Old Colony Steamboat Co. bonds, . . . 15,000 00 15,262 50 

Connecticut River R.R. scrip, .... 15,00000 15,00000 

Worcester Consolidated Street R.R. bonds, . 14,000 00 14,000 00 

Concord & Montreal R.R. bonds, . . . 20,000 00 20,800 00 

Chicago, Burl. & Quincy R.R. bonds, . . 25,000 00 23,500 00 

Old Colony Railroad bonds, . . . . 35,000 00 38,237 50 

Boston & Lowell R.R. bonds, .... 20,000 00 21,200 00 

Chicago & Eastern Illinois R.R. bonds, . . 25,000 00 28,600 00 

Boston & Maine Railroad bonds, . . . 20,000 00 23,100 00 

City National Bank (Worcester) stock, . . 6,000 00 9,000 00 

West End Street R.R. bonds, . . . . 10,000 00 10,550 00 

Rutland Railway bonds, ..... 10,000 00 11,150 00 

Corporation notes, , - 35,000 00 



$243,000 00 $294,710 00 



Summary of Assets Dec 
Stocks, bonds, etc., as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, 



31, 1895. 

$294,710 00 

35 99 

20,003 98 

732 22 



$315,482 19 



102 WORCESTER MANUFACTURERS' MUTUAL INSURANCE CO. 



Liabilities. 



Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding 
Taxes accrued, .... 
Gross liabilities, . 



Net cash assets, 



risks, 



$61,343 53 

10,660 35 

129,087 Q5 

410 47 



$201,502 00 



13,980 19 



Income. 

Premiums outstanding Dec. 31, 1894, . . $633 64 

Premiums on risks written or renewed, . . 267,991 42 

Total, $ 268,625 06 

Premiums now in course of collection, . , 732 22 

Entire premiums collected, .... $267,892 84 

Less reinsurance and return premiums, . . ■ 8,168 93 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 

Gross cash income, , , . . . . 



$259,723 91 
12,502 88 

$272,226 79 



Expenditures. 

Cash paid for losses, 

as profits on terminated policies, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

for inspections, ..... 
Premium on bonds, ...... 

Gross cash expenditures, .... 



$2,115 00 



$18,974 93 
220,971 17 
7,334 86 
2,581 48 
2,392 12 
4,463 88 



. $256,718 44 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $29,759,460 00 $249,836 32 $1,232,295 30 

Risks written during 1895, . 32,637,013 00 267,991 42 1,339,957 10 



Total, $62,396,473 00 $517,827 74 $2,572,252 40 

Risks terminated during 1895,. 31,098,740 00 259,652 43 1,281,375 85 



In force at end of year, 



,297,733 00 $258,175 31 $1,290,876 55 



Miscellaneous. 

Losses incurred during the year, $90,442 00 

Percentage of profits or surplus returned during 1895, 87^^ per cent. 



WORCESTER MUTUAL FIRE INSURANCE CO. 



103 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, 

WORCESTER. 

[Incorporated Feb. 11, 1823. Commenced business May 1, 1824.] 
JOHN A. FAYERWEATHER, President. ROGER F. UPHAM, Secretary. 

$388,258 23 



Amount of permanent fund, 



Detailed Statement of Stocks, Bonds, etc. 



170 shares Worcester National Bank, 
22 " Central National Bank, . 
50 " Citizen's National Bank, 

200 " City National Bank, 
58 " Mechanics' National Bank, 
45 " Quinsigamond National Bank, 
40 " Fitch burg Natl Bank, Fitchburg, . 
15 " Southbridge Nat'l B'k, Southbridge, 
10 " Oxford National Bank, Oxford, r . 
15 " Blackstone Nat'l Bank, Uxbridge, . 
20 " First National Bank, Westborough, 
25 " Wachusett Nat'l Bank, Fitchburg, . 

Boston & Maine Railroad bonds, 

Boston & Albany Railroad bonds, . 

Cincinnati, Hamilton & Dayton R.R. bonds, . 

Portland & Rumford Falls R.R. bonds, , 

Fitchburg Railroad bonds, 

Cheshire Railroad bonds, 

Worcester, Nashua & Rochester R.R. bonds, . 

Maine Central R.R. bonds, . . . 

Penobscot River R.R. bonds, .... 

Worcester Consolidated Street R'y bonds, 

West End Street Railway bonds, 

Rutland R.R. bonds, 

Securities held as collateral for cash loans : — 

Savings bank books assigned, .... 
60 shares Howard Bros. Manuf. Co., 
15 " Worcester Gas Light Co., . . . 
42 " Richardson Manuf. Co., . 



Par Value. 

,000 00 
2,200 00 
5,000 00 

20,000 00 
5,800 00 
4,500 00 
4,000 00 
1,500 00 
1,000 00 
1,500 00 
2,000 00 
2,500 00 

15,000 00 
5,000 00 

12,000 00 
5,000 00 

25,000 00 
7,000 00 
8,000 00 
5,000 00 
5,000 00 
5,000 00 
5,000 00 
3,000 00 



Market Talne. 

$24,650 00 
3,190 00 
6,500 00 

29,000 00 
5,220 00 
6,300 00 
6,000 00 
1,500 00 
1,000 00 
1,500 00 
2,000 00 
5,000 00 

16,550 00 
5,300 00 

12,120 00 
5,150 00 

25,000 00 
7,280 00 
8,080 00 
5,050 00 
5,050 00 
5,200 00 
5,200 00 
3,270 00 



$167,000 00 $195,110 00 



Market Value. 

$1,247 37 
6,000 00 
2,250 00 
6,300 00 

$15,797 37 



Loaned Thereon. 

$600 00 
5,000 00 
1,500 00 
2,000 00 

f 9,100 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $89,000 00 
Loans on mortgage of real estate (first liens*), 369,339 00 

* Value of lands mortgaged, . ' $238,450 00 

Value of buildings thereon, 484,900 00 

Amount of insurance held as collateral, . . . 359,500 00 



104 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Stocks, bonds, etc., as per schedule, 

Loans on collateral security, as per schedule, 

Loans on personal security, 

Cash in the office and in bank, . 

Premiums in course of collection (gross), 

Interest due and accrued, . 

Rents due and accrued, 

Gross assets, .... 



$195,110 00 
9,100 00 
3,075 00 
9,864 24 
9,031 62 
9,479 44 
1,012 03 



5,011 33 



Liabilities. 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Eeturn premiums on cancelled policies, . 
Surplus due on terminated policies, 
Commissions and brokerage, . 
Gross liabilities, . ... 



$6,000 00 

289,099 53 

331 38 

2,625 37 

2,501 06 



Net cash assets, 



300,557 34 
f394,453 99 



Income. 

Premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



Entire premiums collected, .... 
Less reinsurance and return premiums, . 
Net cash premiums received, .... 
Received for extra premiums, .... 
Interest and dividends received from all sources, 
Income from rents, 



$9,463 85 
130,481 97 

$139,945 82 
9,031 62 

$130,914 20 
4.875 87 



Gross cash income, 



$126,038 33 

1,378 65 

26,771 80 

7,417 40 

$161,606 18 



Expenditures. 

Cash paid for losses, 

Deduct salvage and reinsurance, 

Net cash paid for losses, ..... 

Cash paid as profits on terminated policies, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

for repairs on real estate, . 



$38,809 48 
919 50 



$37,889 98 

70,911 51 

17,948 83 

12,518 40 

3,961 12 

4,507 62 

1,732 79 



Gross cash expenditures, 



,470 25 



WORCESTER MUTUAL FIRE INSURANCE CO. 105 



Risks and Premiums. 

Amount. Cash Prem's. Conting't Prem's. 

Risks outstanding Dec. 31, 1894, $39,010,9 14 00 $569,561 67 $569,561 67 

Risks written during 1895, . 9,129,305 00 130,48197 130,48197 



Total, $48,140,219 00 $ 700,043 64 $700,043 64 

Risks terminated during 1895, . 8,155,938 00 110,938 28 110,938 28 



In force at end of year, . . $39,984,281 00 $589,105 36 $589,105 36 



Miscellaneous. 

Losses incurred during the year, ...... $41,451 00 

Percentage of profits or surplus returned during 1895, 25, 50, 70 per cent. 



AGGREGATE. 





$100,000 00 


Assets. 






$10,505,334 00 


Liabilities. 




Gross present liabilities, 


$5,822,664 00 


Income. 




Cash received for premiums during the year, 


$5,523,716 00 


for interest and dividends, .... 


420,641 00 


for assessment on deposit notes, . 


28,428 00 


for rents, 


27,986 00 


from all other sources, 


37,209 00 


Gross cash income, 


$6,037,980 00 


EXPENDITURES. 




Cash paid for losses, 


$1,894,990 00 


for brokerage and commission on premiums, 


388,883 00 


for salaries and fees of officers and employees, 


316,982 00 


for interest on borrowed money, 


1,551 00 


for State and local taxes, 


74,745 00 


for rents, 


11,891 00 


for return of profits or surplus, .... 


3,122,764 00 


for dividends on guaranty capital, 


7,000 00 


for all other expenditures, ..... 


236,370 00 


Total expenditures, 


$6,055,176 00 


General Items. 




Risks written during the year, 


$567,419,209 00 


terminated during the year, 


553,293,527 00 


outstanding at end of year, 


860,567,630 00 


Amount of contingent premiums received thereon, . 


24,628,529 00 


of losses incurred during the year, 


2,219,625 00 


of permanent fund, 


3,996,527 00 



MASSACHUSETTS 

MUTUAL MAEINE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



108 



CHINA MUTUAL INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



CHINA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated April 30, 1853. Commenced business Oct. 1, 1853.] 
EDMUND A. POOLE, President. WILLIAM H. LORD, Secretary. 

Office, 70 Kilby Street. 



Detailed Statement of Stocks and Bonds. 



100 shares Commerce National Bank, 

100 " Hide and Leather National Bank, 

100 " New England National Bank, 

100 " North National Bank, . 

100 " Republic National Bank, 

75 " Old Colony Railroad, 

100 " Fitchburg Railroad, 

250 " NewYork, New Haven & Hart. R.R., 

50 " Connecticut River R.R., . . , 



Par Value. 

$10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 

7,500 00 
10,000 00 
25,000 00 

5,000 00 



Market Value. 

$11,200 00 
10,625 00 
15,612 00 
10,775 00 
15,200 00 
13,275 00 
9,100 00 
45,000 00 
12,400 00 



$97,500 00 $143,187 00 



Summary of Assets Dec. 31, 1895. 

$143,187 00 
1,400 00 
2,293 74 
37,442 23 
57,464 87 
51,131 22 
12,616 61 



Stocks and bonds, as per schedule, . 
Loans on collateral security, 
Cash in the office of the company, . 
Cash deposited in bank, . . . . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Bills receivable, etc., . 



Premiums more than three mos. due, $3,000 00 
Gross assets, . . . . 

Liabilities. 

Losses adjusted and reported, . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, . , , 



$305,535 67 



),500 00 

112,173 46 

60 00 

1,151 80 

2,500 00 



176,385 26 

$129,150 41 
506,090 00 



$376,939 59 



CHINA MUTUAL INSURANCE CO. 



109 



Income. 

Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



Entire premiums collected, .... $247,711 22 
Less reinsurance and return premiums, . . 60,054 15 

Net cash marine premiums received. 
Interest and dividends received from all sources, . 



$49,598 96 
309,708 35 



$359,307 31 
111,596 09 



$187,657 07 
5,908 47 



Gross cash income, $193,565 54 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . 

Interest paid scrip-holders, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$169,516 36 
30,278 77 



f 139,237 59 

9,647 00 

14,621 09 

14,835 45 

2,148 10 

10,847 91 



$191,337 14 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount reinsured, . , 

Net amount in force, . » 



Premiums. 

. $3,582,890 00 $113,176 50 
. 16,932,765 00 309,708 35 



. $20,515,655 00 $422,884 85 
. 14,408,657 00 232,739 11 



1,106,998 00 $190,145 74 
693,650 00 27,308 06 



1,413,348 00 $162,837 68 



Miscellaneous. 

Premiums received from organization of company, , 
Losses paid from organization of company,, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 



. $16,304,355 00 

. 11,612,150 00 

148,652 00 

. 3,289,197 00 



110 



INDIA MUTUAL INSUEANCE CO. 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

[Incorporated March 29, 1867. Commenced business May 2, 1867 ] 

Guaranty Fund paid up in Notes, $140,000. 

H. B. ALDEN, President. GEO. H. CROWELL, Secretary. 

Office, 107 Water Street. 



Detailed Statement of Stocks 



New York & New England R.R. bonds, . 
150 shares Old Colony Railroad, 

80 
100 

50 

63 

25 

40 

10 

10 



Boston & Maine R.R., 

West End R.R., 

Chicago, Burl. & Quincy R.R., 

New England R.R., 

N. Y., New Haven & Hart. R.R., 

National Webster Bank, . 

Hamilton National Bank, 

Everett National Bank, . 



and Bonds. 

Par Value. 

$5,000 00 
15,000 00 
8,000 00 
5,000 00 
5,000 00 
6,300 00 
2,500 00 
4,000 00 
1,000 00 
1,000 00 



Company's own scrip, 



i,801 00 



$52,800 00 

Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $75,149 00 

Cash in office, ....... 998 44 

Cash deposited in bank, ... . . 1,598 08 

Premiums in course of collection (gross), . 3,387 38 

Notes taken for marine and inland risks, . 599 64 
Subscription notes on time, not exceeding 

twelve months, not yet due, .... 140,000 00 

Gross assets, ..... 



Market Value. 

$6,000 00 

26,700 00 

13,600 00 

9,000 00 

3,850 00 

5,229 00 

4,500 00 

4,320 00 

1,070 00 

880 00 



7 5,149 00 



Liabilities. 

Losses claimed and reported, . 

Losses disputed or resisted, 

Total amount of losses, .... 
Less salvage, . . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on scrip, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Reinsurance, . . . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Guaranty fund, 

Scrip outstanding, not ordered to be redeemed, 

Impairment of scrip reserve, 



$221,732 54 



$4,170 03 
2,248 78 

$6,418 81 
1,218 50 



$5,200 31 

14,759 75 

198 48 




102 33 




532 80 




88 97 






20,882 64 




$140,000 00 
150,471 00 


$200,849 90 
290,471 00 




• • • 


$89,621 10 



INDIA MUTUAL INSURANCE CO. 



Ill 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Marine premiums received, 

Interest and dividends received from all 

Income from all other sources, 

Gross cash income, 



other 



$2,549 52 
31,932 93 

$34,482 45 
3,387 38 

$31,095 07 
3,696 38 



sources, . 



• • 



$27,398 69 


839 


88 


3,006 


55 


72 


89 



11,318 01 



Expenditures. 
Cash paid for fire losses, . 

Deduct salvage and reinsurance, . , 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, 

Gross cash expenditures, . 



1,625 51 
50 74 



;,584 22 
654 67 



t,574 77 



2,929 


55 


2,800 


00 


376 


50 


3,060 


59 


4,387 


25 


5,100 


00 


148 


80 


2,588 


47 



$25,965 93 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$447,034 00 
2,568,461 00 

J3,015,495 00 
830,396 00 



Premiums. 

$5,571 44 
31,932 93 

£37,504 37 
9,496 34 



1,185,099 00 $28,008 03 
88,418 00 696 41 



1,096,681 00 $27,311 62 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 



. $3,485,997 00 

. 2,537,299 00 

6,803 00 



AGGREGATE. 



Whole amount of guaranty fund, in subscription notes, 
Whole amount of outstanding scrip not cancelled, 



Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, 

Income. 
Cash actually received for fire premiums, . 
actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources, 

Gross cash income, 

Expenditures. 

Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 

for State and local taxes 

for office agency and incidental expenses, . 

Intprest paid scrip-holders, 

Dividends paid on subscription notes, . 

Gross cash expenditures, .... 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, 
fire losses incurred during the year, 
marine losses incurred during the year, 



$140,000 00 
656,561 00 



$527,269 00 



f 197,268 00 



$27,399 00 

188,496 00 

8,916 00 

73 00 



$224,884 00 



$4,575 00 

142,167 00 

19,008 00 

19,935 00 

2,297 00 

13,813 00 

12,708 00 

2,800 00 



$217,303 00 



$2,568,461 00 

31,933 00 

16,932,765 00 

309,708 00 

830,396 00 

14,408,657 00 

2,096,681 00 

5,413,348 00 

6,803 00 

148,652 00 



MASSACHUSETTS 

JOINT-STOCK FffiE, MAKINE AND FIRE-MAEINE 

INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



114 



AMERICAN INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated June 12, 1818. Commenced business June, 1818.] 

Paid-up Capital, $300,000. 

FRANCIS PEABODY, President. HENRY S. BEAN, Secretary. 

Office, 30 Kilby Street. 



Detailed Statement of Stocks 



222 shares Old Boston National Bank, 
200 

45 
170 
142 

62 
100 
152 
280 
100 

56 

69 
578 

13 

200 

8 



Columbian National Bank, 
National Eagle Bank, 
Globe National Bank, 
Hamilton National Bank, 
New England National Bank, 
Suffolk National Bank, . 
State National Bank, 
National Union Bank, 
Merchants 1 National Bank, 
Tremont National Bank, 
Washington National Bank, 
Boston & Albany Railroad, 
Boston & Lowell Railroad, 
Old Colony Railroad, 
Merrimack Manufacturing Co., 
Chicago, Burlington & Quincy R.R. bonds, 
Eastern Railroad bonds, .... 
Chicago, Milwaukee & St. Paul R R. bonds, 
Cincinnati, Ind., St. Louis & Chic. R.R. bonds, 
Massachusetts State bonds, 



Securities held as collateral for cash loans : — 
200 shares Essex County Building Co., . 



and Bonds. 

Par Value. 

$22,200 00 
20,000 00 

4,500 00 
17,000 00 
14,200 00 

6,200 00 
10,000 00 
15,200 00 
28,000 00 
10,000 00 

5,600 00 

6,900 00 
57,800 00 

6,500 00 
20,000 00 

8,000 00 
50,000 00 
20,000 00 
25,000 00 
40,000 00 
18,000 00 



Market Value. 

$23,976 00 
19,000 00 

3,600 00 
14,110 00 
14,910 00 

9,610 00 
10,500 00 
16,416 00 
36,400 00 
15,000 00 

5,040 00 

7,245 00 

118,490 00 

13,260 00 

35,000 00 

9,200 00 
46,000 00 
23,600 00 
29,500 00 
37,600 00 
18,000 00 



$405,100 00 |506,457 00 

Market Value. Loaned Thereon. 

$20,000 00 $15,000 00 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $506,457 00 

Loans on collateral security, as per schedule, . 15,000 00 

Cash in the office of the company, . . . 992 97 

Cash deposited in bank, ..... 22,882 21 

Interest due and accrued, 2,594 51 

Premiums in course of collection (gross), . 19,924 76 
Premiums more than three mos. due, $828 82 

Gross assets, 



$567,851 45 



AMERICAN INSURANCE CO. 



115 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$1,306 95 

19,861 14 

3,997 00 

$25,165 09 
1,400 00 

$23,765 09 

150,535 19 

45 00 

1,319 67 

21 53 

3,388 73 

3,313 03 

1,400 00 



$ 183,788 24 

$384,063 21 
300,000 00 



,063 21 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $27,022 54 
Premiums on risks written or renewed, . . 282,517 36 

Total, $309,539 90 

Premiums now in course of collection, . . 20,753 58 

Entire premiums collected, .... $288,786 32 

Less reinsurance and return premiums, . . 53,712 72 

Net cash fire premiums received, 

Additional premiums received, 

Interest and dividends received from all sources, 



$235,073 60 

1,784 40 

21,801 51 



Gross cash income, $258,659 51 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . . : 

Gross cash expenditures, .... 



$134,813 60 
10,262 15 



$124,551 45 
18,132 00 
50,476 73 
24,266 41 
5,939 53 
10,725 03 

$234,091 15 



116 



BOSTON MARINE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



<33,996,195 00 
25,416,386 00 



Premiums. 

8393,905 48 
282,517 36 



$59,412,581 00 

27,305,050 00 

132,107,531 00 

3,595,257 00 



5676,422 84 

308,266 28 

$368,156 56 
42,108 58 



,512,274 00 $326,047 98 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from .organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



011,512,630 00 

8,019,264 00 

122,339 00 

2,779,500 00 

18,000 00 

47,100 00 



BOSTON MARINE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874.] 

Paid-up Capital, $1,000,000. 

RANSOM B. FULLER, President. THOMAS H. LORD, Secretary. 

Office, 17 State Street. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Boston city bonds, $125,000 00 $136,525 00 

Chicago, Burlington & Quincy R.R. bonds, . 41,000 00 41,525 00 

Oregon Short Line Railroad bonds, . . . 10,000 00 10,350 00 

Louisville, Evansville & St. Louis R.R. bonds, 2,000 00 2,110 00 

Fitch burg Railroad bonds, . . . . 25,000 00 27,125 00 

Wisconsin Central Railroad bonds, . . . 20,000 00 8,200 00 

Union Pacific, Lincoln & Col. Railroad bonds, 25,000 00 9,500 00 

Atch., Topeka & Santa Fe R.R bonds, . . 125,000 00 65,500 00 

Toledo, St. Louis & Kansas City R.R. bonds, . 20,000 00 13,500 00 

Brookline Gas Light Company bonds, . . 25,000 00 25,250 00 

Newton city bonds, 25,000 00 26,875 00 

West Shore Railroad bonds, .... 5,000 00 5,350 00 

Boston & Lowell Railroad bonds, . . . 25,000 00 25,500 00 

Oregon Short Line & Utah No. R.R. stock, . 5,000 00 300 00 

Chicago, Burlington & Quincy Railroad stock, 51,000 00 41,580 00 

Iron Railway Company stock, .... 29,700 00 14,850 00 

Toledo, St. Louis & Kansas City R.R. stock, . 53,000 00 7,420 00 

Manchester Mills stock, 20,000 00 20,400 00 

Boston & Albany Railroad stock, . . . 20,000 00 41,350 00 

Boston & Lowell Railroad stock, . * . . 10,000 00 20,400 00 



BOSTON MARINE INSURANCE CO. 



117 



Fitchburg Railroad stock, 

Pullman Palace Car Company stock, 

Connecticut & Passnmpsic Railroad stock 

Atlantic Bank stock, . 

Atlas Bank stock, 

Beverly Bank stock, . 

Brookline Bank stock, 

Columbian Bank stock, . 

Commercial Bank stock, . 

Continental Bank stock, . 

Eagle Bank stock, 

Eliot Bank stock, 

Exchange Bank stock, 

First Bank stock, 

First Bank, Salem, stock, . 

Freeman's Bank stock, 

Globe Bank stock, 

Grand Bank, Marblehead, stock, 

Hamilton Bank stock, 

Hide and Leather Bank stock, 

Howard Bank stock, , 

Lincoln Bank stock, . 

Mercantile Bank, Salem, stock, 

Merchants' Bank stock, 

Merchants' Bank, Salem, stock, 

Naurnkeag Bank, Salem, stock, 

New England Bank stock, 

North Bank stock, 

Old Boston Bank stock, . 

Railroad Bank, Lowell, stock, 

Republic Bank stock, 

Revere Bank stock, . • 

Second Bank stock, . 

State Bank stock, 

Suffolk Bank stock, . 

Tremont Bank stock, 



Par Value. 

$25,000 00 
12,000 00 

5,000 00 
10,000 00 
10,700 00 
13,000 00 
10,000 00 
12,000 00 
36,500 00 
20,000 00 
15,200 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
15,000 00 

1,700 00 
10,000 00 
11,000 00 
10,000 00 
16,600 00 
10,000 00 
23,000 00 

5,000 00 
10,000 00 
15,000 00 
10,000 00 
10,000 00 

5,000 00 
15,000 00 
20,000 00 
20,000 00 
29,500 00 
10,000 00 
10,000 00 



Market Value. 

$22,750 CO 
18,690 00 

7,150 00 
12,000 00 
13,161 00 
18,947 50 
12,025 00 
11,700 00 
29,200 00 
21,350 00 
12,578 00 
39,000 00 
12,150 00 
24,050 00 

9,012 50 
17,650 00 
12,862 50 

2,010 00 
10,725 00 
11,715 00 

9,200 00 
13,280 00 
10,762 50 
35,132 50 

6,700 00 
13,500 00 
23,418 75 
10,737 50 
11,050 00 

6,612 50 
22,800 00 
18,100 00 
36,200 00 
32,228 75 
10,600 00 

9,300 00 



$1,170,900 00 $1,132,019 00 



Securities held as collateral for cash loans : — 

800 shares Cobb Lime Co., .... 
60 " American Fire Hose Mfg. Co., 
30 " Gloucester Gas Light Co., 

5 " National Exchange Bank, 

6 " Gloucester National Bank, 
25 " Boston & Bangor S.S. Co., 

10 " Rome, Watert'n & Ogdensburg R.R.,, 



Market Value. Loaned Thereon. 



$48,000 00 
3,000 00 
4,450 00 
607 50 
828 00 
1,000 00 
1,180 00 



$25,000 00 
2,000 00 
2,000 00 

1,200 00 

750 00 
1,000 00 



$59,065 50 $31,950 00 



118 



BOSTON MARINE INSURANCE CO. 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash deposited in banks, , 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Gross assets, ...... 

Liabilities. 
Losses adjusted and reported, . 

Unearned premiums on outstanding risks, 

Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 

Paid-up capital, ...... 

Surplus over capital, . ... 

Income. 

Marine premiums outstanding Dec. 31, 1894, . 
Premiums on risks written or renewed, . 

Total, . 

Premiums now in course of collection, . 



31, 1895. 

131,740 78 

1,059,340 00 

5,762 72 

1,132,019 00 

31,950 00 

217,114 22 

4,131 83 

139,165 52 

214,552 56 



|803,449 97 
85,791 57 



$2,835,776 63 



$224,349 00 
372,064 18 

26,528 85 



622,942 03 

. $2,212,834 60 
. 1,000,000 00 

. $1,212,834 60 



$400,593 00 

978,268 37 

1,378,861 37 

353,718 08 



Entire premiums collected, .... $1,025,143 29 

Less reinsurance and return premiums, . . 138,632 20 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Gross cash income, .... 

Expenditures. 

Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, . - 
Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



586,511 09 

41,475 68 

56,176 89 

2,483 28 

,646 94 



$717,658 40 

100,000 00 

32,733 44 

54,835 50 

6,851 83 

60,634 87 

$972,714 04 



* Total value of property mortgaged, 
Insurance held as collateral, 



$2,387,900 00 
902,305 00 



EQUITABLE MARINE INSURANCE CO. 



119 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 



Risks and Premiums. 

Premiums. 

.$10,171,919 00 S662,450 58 
. 57,877,097 00 978,268 37 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



.$68,049,616 00 81,640,718 95 
. 58,629,496 00 1,034,713 37 



1,420,120 00 $606,005 58 
159,970 00 7,401 39 



. $9,260,150 00 $598,604 19 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$24,323,975 00 
17,050,971 00 
787,691 00 
1,730,000 00 
100,000 00 
105,100 00 



EQUITABLE MARINE INSURANCE COMPANY, PROVINCETOWN. 

[Incorporated 1845. Commenced business 1846.] 

Paid-up Capital, $50,000. 

LTSANDER N. PAINE, President. M. C ATWOOD, Secretary. 



Detailed Statement of Stocks 



80 shares Freeman's National Bank, Boston, 

65 

15 

15 

45 

16 

24 

20 



First National Bank, Provincetown, 
Revere National Bank, Boston, 
State National Bank, Boston, . 
National Bank of Republic, Boston, 
Hide and Leather Nat'l Bank, Boston, 
Boston & Albany Railroad, 
Union Pacific Railroad, 

Bangor city bonds, . 

Cincinnati city bonds, 

Kansas City bonds, . 

Portsmouth, N. H., city bonds, 

Toledo city bonds, 

Omaha city bonds, . 

Duluth city bonds, . 

St. Paul city bonds, . 

Columbus, Ohio, city bonds, 



and Bonds. 

Par Value. 

$8,000 00 
6,500 00 
1,500 00 
1,500 00 
4,500 00 
1,600 00 
2,400 00 
2,000 00 
2,000 00 
3,000 00 
2,500 00 
5,000 00 
3,000 00 
3,000 00 
3,000 00 
3,000 00 
5,000 00 



Market Value. 

$7,060 00 
7,475 00 
1,325 00 
1,653 00 
6,840 00 
1,688 00 
4,920 00 
80 00 
2,320 00 
3,620 00 
2,625 00 
5,000 00 
3,232 50 
3,150 00 
3,180 00 
3,240 00 
5,125 00 



120 



EQUITABLE MARINE INSURANCE CO. 



New York & New England Railroad bonds, 
Chicago & North Western Railroad bonds, 
Fitch burg Railroad bonds, 
Boston, Revere Beach & Lynn Railroad bonds 
New England Mortgage and Security Co., 



Par Value. 

$2,000 00 
2,000 00 
5,000 00 
4,000 00 
1,000 00 



Market Value. 

$2,340 00 
2,120 00 
5,150 00 
4,060 00 
1,000 00 



$71,500 00 $77,203 50 



Summary of Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . . . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, .... * 

Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, •. 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
State and local taxes, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 



Surplus over capital, . 



$77,203 50 




333 


76 




8,821 


29 




552 


64 




2,854 79 




12,276 


55 


$102,042 53 


$1,514 


33 


5,800 


00 




25,572 


93 




2,500 


00 




225 


00 




37 


50 


35,649 76 






t ■ • 


$66,392 77 






50,000 00 


• ■ « 


$16,392 77 



Income. 

Marine premiums received, 

Interest and dividends received from all sources, . 



$31,090 40 
3,919 98 



Gross cash income, $35,010 38 



Expenditures. 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures 



$26,942 


90 


2,500 00 


2,645 


85 


1,472 


64- 


520 


19 


487 


98 



$34,569 56 



firemen's FIRE INSURANCE CO. 



121 



Risks and Premiums. 



Marine risks outstanding- Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$408,732 00 
629,751 00 

$1,038,483 00 
610,682 00 

$427,801 00 
10,050 00 

$417,751 00 



Miscellaneous. 



Premiums received from organization of company, 
Losses paid from organization of company, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (5 per cent.), . 
Company's stock owned by directors, 



Premiums. 

$26,885 14 
35,682 36 

$62,567 50 
36,163 07 

$26,404 43 
831 50 



,572 93 



$495,853 00 

352,626 00 

32,743 00 

57,000 00 

2,500 00 

10,200 00 



FIREMEN'S FIRE INSURANCE COMPANY, BOSTON. 

[Incorporated Dec. 21, 1872. Commenced business Dec. 30, 1872.] 

Paid-up Capital, $400,000. 

THOMAS W. TUCKER, President. HENRY C. SHORT, Secretary. 

Office, 43 Kilby Street. 



Detailed Statement of Stocks and Bonds. 



Boston city bonds, 

Fall River city bonds, 

Lawrence city bonds, 

Quincy city bonds, . 

Haverhill city bonds, 

Brookline town notes, 

Eastern Railroad bonds, 

Taunton city bonds, 

Boston & Providence Railroad bonds, 

Old Colony Railroad bonds, 

Boston & Maine Railroad bonds, 

Boston & Lowell Railroad bonds, 

Boston & Albany Railroad bonds, 

Maine Central Railroad bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Kan. City, St. Joseph & C. Bluffs R.R. bonds, 

Chicago, Burlington & Northern R.R. bonds, 



Par Value. 

$60,000 00 
30,000 00 
20,000 00 
8,000 00 
10,000 00 
18,000 00 
22,500 00 
30,000 00 
25,000 00 
20,000 00 
10,000 00 
1,000 00 
25,000 00 
10,000 00 
25,000 00 
20,000 00 
25,000 00 



Market Value. 

|62,400 00 
32,250 00 
20,500 00 

8,160 00 
10,150 00 
18,056 25 
26,550 00 
31,200 00 
26,000 00 
20,800 00 
10,250 00 

1,030 00 
25,875 00 
10,000 00 
24,750 00 
24,200 00 
25,750 00 



122 



firemen's FIRE INSURANCE CO. 



Cedar Rapids, Iowa Falls & No. W. R.R. bonds, 

St. Paul & North Pacific Railroad bonds, 

Jackson, Lansing & Saginaw R.R. bonds, 

200 shares City National Bank, 

200 " Hamilton National Bank, 

200 " Eagle National Bank, 

53 " Webster National Bank, 
200 " Revere National Bank, . 
103 " Atlas National Bank, 
200 " Boston National Bank, . 

12 " Old Boston National Bank, 
284 " Atlantic Cotton Mills stock, 
Loan to Arlington Mills, . 
Loan to American Waltham Watch Co., 



Securities held as collateral for cash loans : 
1 share Pacific Mills stock, . 



Par Value. 

$25,000 00 
30,000 00 
10,000 00 
20,000 00 
20,000 00 
20,000 00 

5,300 00 
20,000 00 
10,300 00 
20,000 00 

1,200 00 
28,400 00 
25,000 00 
25,000 00 



Market Value. 

125,000 00 
36,900 00 
10,000 00 
16,300 00 
21,450 00 
16,550 00 
5,459 00 
18,100 00 
12,694 75 
20,000 00 
1,326 00 
17,040 00 
25,000 00 
25,000 00 



$619,700 00 8628,741 00 

Market Value. Loaned Thereon. 

f 1,900 00 $1,000 00 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, . . . 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 
Premiums more than three mos. due, $201 28 
Gross assets, ..*... 



$211,700 00 

2,096 44 

628,741 00 

1,000 00 

522 54 

30,338 65 

5,651 47 

11,817 35 



,367 45 



Liabilities. 

Losses adjusted, unpaid, . . 

Losses claimed and reported, . 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 



^5,163 73 
6,733 83 



$11,897 56 
66 35 

$11,831 21 

172,298 62 

112 00 

1,600 00 

1,250 00 



* Value of lands mortgaged, . . 
Value of buildings thereon, . 

Amount of insurance held as collateral, 



&371.700 00 
213,300 00 
284,100 00 



firemen's FIRE INSURANCE CO. 



123 



Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 



Surplus over capital, . 



,847 85 
300 00 
234 83 



,474 51 



$702,892 94 
400,000 00 

$302,892 94 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 


$12,528 69 
123,084 39 


Total 

Premiums now in course of collection, . 


$135,613 08 
12,018 63 


Entire premiums collected, . 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 


$123,594 45 
21,540 40 


sources, . 


Gross cash income, 


. 


Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employe 
for State and local taxes, 
for rent and incidentals, . 


$53,310 75 
575 98 


es, . 


Gross cash expenditures, . 


. 


Risks and Pkemiu 


MS. 


Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 


$42,760,230 00 
13,705,527 00 


Deduct risks expired and terminated, 


17,170,967 00 


In force at end of year, 

Deduct amount reinsured, ... 


$39,294,790 00 
1,281,621 00 



$102,054 05 

8,703 38 

26,722 62 

1,403 65 

416 17 



$139,299 87 



$52,734 77 

31,968 00 

15,994 66 

15,876 67 

3,880 04 

9,515 56 



$129,969 70 



Premiums. 

$406,693 23 
123,084 39 

$529,777 62 
163,632 18 



$366,145 44 
9,724 98 



Net amount in force, 



. $38,013,169 00 $356,420 46 



124 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors 



$2,964,312 00 

1,515,693 00 

57,075 00 

677,000 00 

32,000 00 

24,100 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 11, 1823. Commenced business May, 1823.] 
Paid-up Capital, $400,000. 
GEO. R. ROGERS, President. JAMES SIMPSON", Secretary. 

Office, No. 58 State Street. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

100 shares Atlantic National Bank, . . . $10,000 00 $12,000 00 

200 " City National Bank, . . . 20,000 00 16,300 00 

200 " Columbian National Bank, . . 20,000 00 19,500 00 

214 " Eagle National Bank, . . . 21,400 00 17,708 00 

300 " Globe National Bank, . . . 30,000 00 25,725 00 

120 " Hamilton National Bank, . . 12,000 00 12,870 00 

160 " New England National Bank, . 16,000 00 25,160 00 

200 " North National Bank, . . . 20,000 00 21,475 00 

18 " Railroad National Bank, . . . 1,800 00 2,380 00 

178 " State National Bank, . . . 17,800 00 19,446 00 

535 " Suffolk National Bank, . . . 53,500 00 56,710 00 

200 " Tremont National Bank, . . 20,000 00 18,600 00 

200 " Union National Bank, . . . 20,000 00 26,450 00 

200 " Boston & Providence Railroad, . 20,000 00 52,700 00 

100 " Chicago, Burl. & Quincy Railroad, 10,000 00 7,750 00 

100 " Lyman Mills, 10,000 00 8,925 00 

Boston city bonds, 10,000 00 10,825 00 

Boston & Maine Railroad bonds, . . . 10,000 00 10,450 00 

Union Pacific, Lincoln & Colorado R.R. bonds, 25,000 00 8,750 00 

Kansas City, Fort Scott & Memphis R.R. bonds, 5,000 00 4,650 00 

Oregon Ry. and Navigation Co. bonds, . . 5,000 00 3,500 00 

Chicago, Burlington & Quincy R.R. bonds, . 1,000 00 1,007 00 

Concord & Montreal Railroad bonds, . . 10,000 00 10,450 00 

Old Colony Railroad bonds, .... 10,000 00 10,725 00 

City of Cambridge bonds, .... 5,000 00 5,400 00 

City of Providence bonds, .... 10,00000 11,35000 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



125 



Boston & Albany Railroad bonds, 
Boston & Lowell Railroad bonds, 
City of Lowell bonds, 
City of Taunton bonds, . 



Tar Value. 

$15,000 00 
5,000 00 
5,000 00 
5,000 00 



Market Value. 

$15,862 00 
5,150 00 
5,475 00 
5,400 00 



$423,500 00 $152,693 00 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate (first liens*), 
Interest accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . . • 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, ..... 



),000 00 

650 09 

452,693 00 

2,551 59 

45,253 34 

1,216 67 

22,730 67 

82 74 



$615,178 10 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, 
Due and accrued for rent, salaries, etc. 
Commissions and brokerage, . 
Reinsurance and return premiums, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, . 



$23,895 00 

1,250 00 

147,110 14 

198 00 

661 34 

3,906 03 

2,808 91 

392 13 



180,221 55 

$434,956 55 

400,000 00 

$34,956 55 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 



$21,660 06 
236,169 52 

$257,829 58 
22,730 67 

$235,098 91 
47,769 82 



$187,329 09 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$195,200 00 
100,000 00 



126 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Marine premiums outstanding Dec. 31, 1894, . $1,66168 

Premiums on risks written or renewed, . . 2,156 03 

Total, |3,817 71 

Premiums now in course of collection, . 82 74 

Net cash marine premiums received, . . 

Interest received on mortgages, ...... 

Interest and dividends received from all other sources, . 

Gross cash income, 



$3,734 97 

3,624 62 

18,169 57 

5212,858 25 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



}7 1,407 83 

295 51 

23,802 00 

42,799 46 

19,143 42 

3,825 44 

16,620 48 

',894 14 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks written during 1895, . 
Deduct risks expired and terminated, 



$27,968,783 00 
21,683,939 00 

$49,652,722 00 
20,562,759 00 

$29,089,963 00 
2,902,594 00 



Fremiums. 

$296,504 01 
236,169 52 

$532,673 53 
207,553 15 

$325,120 38 
31,283 54 



,187,369 00 $293,836 84 



$1,594,255 00 
1,594,255 00 



$2,156 03 
2,156 03 



Miscellaneous. 



Premiums received from organization of company, 
Losses paid -from organization of company, 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of companj', 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



58,163,893 00 

5,710,636 00 

86,773 00 

296 00 

2,196,720 00 

24,000 00 

11,000 00 



NORTH AMERICAN INSURANCE CO. 



127 



NORTH AMERICAN INSURANCE COMPANY, BOSTON. 

[Incorporated December, 1872. Commenced business Jan. 1, 1873.] 

Paid-up Capital, $200,000. 

SILAS PEIRCE, President. CHARLES E. MACULLAR, Secretary. 

Office, 59 Kilby Street. 



Detailed Statement of Stocks 



United States bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Northern Pacific R.R. bonds, . 

Union Pacific Railroad bonds, . 

Oregon Railway & Nav. bonds, 

Kan. City, Memp. & Birmingham R.R. bonds, 

Consolidated Railroad of Vermont bonds, 

Ogdensburg & Lake Champlain R.R. bonds, 

Boston & Maine Railroad bonds, 

138 shares Boston National Bank, . 

50 ' 
100 ' 

17 ' 

95 ' 

29 ' 
150 « 
143 ' 

50 ' 
100 ' 
100 ' 



; City National Bank, 
• Eliot National Bank, 
; Exchange National Bank, 
8 Globe National Bank, 
1 Hide and Leather National Bank, 
8 Merchants 1 National Bank, «. 
8 Old Boston National Bank, 
8 Shoe and Leather National Bank, 
8 State National Bank, 
8 Suffolk National Bank, . 
American Sugar Refinery Co. stock, 
Certificate of deposit, .... 

Securities held as collateral for cash loans 

City of Quincy water bonds, 
Mexican Central R.R. bond, 
Chicago Junction R R. stock, 
West End Railway stock, . 
United Gas Co. bonds, 
Fitchburg R.R. stock, 



and Bonds. 

Par Value. 

$15,000 00 

5,000 00 

9,000 00 

4,000 00 

6,000 00 

12,000 00 

7,000 00 

5,000 00 

4,000 00 

10,000 00 

13,800 00 

5,000 00 

10,000 00 

1,700 00 

9,500 00 

2,900 00 

15,000 00 

14,300 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

30,000 00 



Market Value. 

$16,725 00 

6,500 00 

8,500 00 

4,760 00 

3,750 00 

13,320 00 

2,570 00 

4,400 00 

4,260 00 

11,500 00 

13,938 00 

4,100 00 

13,000 00 

2,125 00 

8,146 25 

3,081 25 

23,212 50 

15,801 50 

4,500 00 

11,000 00 

10,625 00 

10,205 00 

30,000 00 



|214,200 00 |226,019 50 

Market Value. Loaned Thereon. 

$550 00 $450 00 

660 00 "I 

13,950 00 . 2Q 00Q 00 

3,350 00 I 

5,600 00 J 

900 00 



$25,010 00 $20,450 00 



Summary of Assets Dec 31, 1895. 
Cash value of unencumbered real estate, . $46,300 00 

Loans on mortgage of real estate (first liens*), 59,060 00 



* Value of lands mortgaged, . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$35,250 00 
71,000 00 
65,650 00 



128 



NORTH AMERICAN INSURANCE CO. 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, . . . 



$921 47 

226,019 50 

20,450 00 

4,816 74 

4,431 72 

2,590 09 

28,065 65 

415 00 



|393,070 17 



Liabilities. 

Losses adjusted and reported, . 

Less reinsurance, ...... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage,. . 
Return premiums due, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$12,712 93 

2,920 69 

$9,792 24 

137,673 81 

160 00 

4,016 90 

270 12 

172 05 



152,085 12 

$210,985 05 
200,000 00 



$40,985 05 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total,. ...... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . . . 

Bank tax refunded, 



Gross cash income, 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 



$26,894 82 
862 75 



$26,032 07 
227,244 76 



$253,276 83 
28,065 65 



$225,211 18 
63,728 24 



sources, 



,562 42 
9,062 21 



$161,482 94 

2,921 71 

9,819 75 

1,766 70 

572 58 



$176,563 68 



$79,500 21 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



129 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$10,890 00 

29,578 78 

16,700 00 

3,603 22 

13,895 94 



$154,168 15 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . . $27,406,192 00 $299,280 04 
Fire risks written during 1895, . . . 21,710,044 00 227,244 76 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



. $49,116,236 00 $526,524 80 
. 18,908,312 00 207,734 94 



. $30,207,924 00 $318,789 86 
. 3,964,132 00 49,853 22 



. f 26,243,792 00 $268,936 64 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . . 

Cash dividends declared from organization of company, 

Dividends declared during the year (b\ per cent.), 

Company's stock owned by directors, . 



52,737,249 00 

1,326,090 00 

71,262 00 

311,000 00 

11,000 00 

23,400 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 



[Incorporated 1849. Commenced business 1851.] 
Paid-up Capital, $1,500,000. 



A. W. DAMON, President. 



S. J. HALL, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 
Amherst (Mass.) Water Co. bonds, . 
Ann Arbor (Mich ) Water Co. bonds, 
Berkshire (Mass.) Water Co. bonds, 
Wakefield (Mass.) Water Co. bonds, 
West Springfield (Mass.) Aqueduct Co. bonds 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Detroit, Lansing & Northern Railroad bonds, 
Kan. City, St. Joe & Council Bluffs R.R.bonds, 



and Bonds. 

Par Value. 

$98,000 00 
16,000 00 
50,000 00 
15,000 00 
50,000 00 
25,000 00 
26,000 00 
11,000 00 
10,000 00 
50,000 00 
2,000 00 

100,000 00 



Market Value. 

|102,000 00 
16,640 00 
54,000 00 
15,600 00 
54,000 00 
27,500 00 
26,730 00 
11,550 00 
12,700 00 
57,000 00 
1,360 00 
123,000 00 



130 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Par Value. Market Value. 

New York & Harlem Railroad bonds, . . $10,000 00 $11,400 00 

New York, New Haven & Hartford Railroad, 60,000 00 81,600 00 

St. Paul, Minneapolis & Manitoba R.R. bonds, 50,000 00 58,500 00 

Union Pacific Railroad bonds, .... 47,000 00 45,590 00 

1 ,500 shares Boston & Albany Railroad, . . 150,000 00 310,500 00 

634 " Chicago & Alton Railroad, . . 63,400 00 101,440 00 

750 " Chicago, Burl. & Quincy R.R , . 75,000 00 57,750 00 

550 " Chic, Milwaukee & St. Paul RR, 55,000 00 69,850 00 

550 " Chic, Rock Island & Pacific R.R., 55,000 00 37,400 00 

500 " Conn. & Passumpsic Rivers R R., 50,000 00 52,500 00 

563 " Illinois Central Railroad, . . 56,300 00 53,922 00 

1,000 " New York & Harlem Railroad, . 50,000 00 140,000 00 

2,050 " New York, N. H. & Hart. R.R., . 205,000 00 369,000 00 

600 " Pennsylvania Railroad, . . 30,000 00 31,200 00 

240 " RomcWatert'n&Ogd'nsb'gR.R., 24,000 00 28,800 00 

1 ,000 " West End Street Railway, . . 50,000 00 88,000 00 

203 " Agawani Nat'l Bank, Springfield, 20,300 00 20,300 00 

100 " Chapin Nat'l Bank, Springfield, . 10,000 00 13,500 00 

104 " Chicopee Nat'l Bank, Springfield, 10,400 00 16,120 00 

100 " City National Bank, Springfield, 10,000 00 14,700 00 

200 " First National Bank, Springfield, 20,000 00 22,000 00 

200 " John Hancock Nat'l B'k, Sp'gfi'd, 20,000 00 22,000 00 

127 " Pynchon Nat'l Bank, Springfield, 12,700 00 19,050 00 

200 " Second Nat'l Bank, Springfield, . 20,000 00 27,000 00 

200 " Third Nation! Bank, Springfield, 20,000 00 42,000 00 

100 " Atlas National Bank, Boston, . 10,000 00 12,300 00 

100 " Boston National Bank, Boston, . 10,000 00 10,000 00 

150 " Boylston National Bank, Boston, 15,000 00 19,200 00 

100 " Eliot National Bank, Boston, . K',000 00 13,000 00 

100 " Freeman's Nation'l Bank, Boston, 10,000 00 8,800 00 

300 " Howard National Bank, Boston, . 30,000 00 27,600 00 

100 " Merchants' Nat'l Bank, Boston, . 10,000 00 15,300 00 

200 " Nat'l B'k of Com'wealth, Boston, 20,000 00 27,600 00 

100 " Nat'l B'k of Commerce, Boston, . 10,000 00 11,200 00 

100 " National Exchange Bank, Boston, 10,000 00 12,200 00 

100 " New England Nat'l Bank, Boston, 10,000 00 15,600 00 

100 " Old Boston Nat'l Bank, Boston, . 10,000 00 11,000 00 

100 " Shawmut National Bank, Boston, 10,000 00 10,800 00 

100 " Tremont National Bank, Boston, 10,000 00 9,300 00 

100 " Washington Nat'l Bank, Boston, 10,000 00 10,800 00 

100 " Webster National Bank, Boston, 10,000 00 10,300 00 

60 " Winthrop National Bank, Boston, 6,000 00 7,860 00 

65 " First National Bank, Chicopee, . 6,500 00 9,425 00 

67 " Franklin Co. N'l B'k, Greenfield, 6,700 00 ^,035 00 

250 " City National Bank, Holyoke, . 25,000 00 28.750 00 

50 " First National Bank, Lynn, . . 5,000 00 7,250 00 

10 " Monson National Bank, Monson, 1,000 00 1,500 00 

20 " Adams National B'k, No. Adams, 2,000 00 2,400 00 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



131 



Par Value. Market Value. 

60 shares First Natl Bank, Northampton, . $6,000 00 $7,800 00 

100 " N'hampton N'l B'k, N'hampton, . 10,000 00 15,000 00 

37 " Palmer National Bank, Palmer, . 3,700 00 5,550 00 

75 " Ware National Bank, Ware, . 7,500 00 8,250 00 

100 " Bank of No. America, New York, 7,000 00 10,150 00 

200 " Continental Nat'l B'k, New York, 20,000 00 26,000 00 

200 " Fourth Nat'l Bank, New York, . 20,000 00 36,000 00 

100 " N'l B'k of Commerce, New York, 10,000 00 20,600 00 

100 " St. Paul Nat'l B'k, St. Paul, Minn., 10,000 00 11 ,000 00 

$1,968,500 00 $2,665,772 00 



Securities held as collateral for cash loans : — 



Market Value. Loaned Thereon. 



100 shares Nonotuck Paper Co., Holyoke, 
1 

15 
100 
413 

30 

45 

17 
6 

10 



Parson's Paper Co., . 
West Springfield Aqueduct Co., 
West Springfield Aqueduct Co., 
Thompsonville (Ct.) Water Co., 
West Springfield Aqueduct Co., 
Third National Bank, Springfield, 
Springfield Street R.R. Co., 
Shawmut National Bank, Boston, 
Citizens' N'l Bank, New Bedford, 



$20,000 00 

10,000 00 

1,875 00 

12,500 00 

12,390 00 

3,750 00 

9,450 00 

3,400 00 

672 00 

1,250 00 



$25,000 00 

1,500 00 
10,000 00 
10,000 00 

3,200 00 

6,000 00 
1,396 20 



$75,287 00 $57,096 20 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, . 
Cash in the office of the company, . 

Cash deposited in banks, 

Interest due and accrued, 

Premiums in course of collection (gross), 

Rents due and accrued, 

Gross assets, 

Deduct special deposits in other States, . 



$134,000 00 

521,725 00 

14,325 77 

2,665,772 00 

57,096 20 

15,959 58 

171,233 56 

24,566 89 

239,461 01 

1,005 16 



1,845,145 17 
51,800 00 



Balance, . . $3,793,345 17 

* Value of lands mortgaged, $384,650 00 

Value of buildings thereon, 585,850 00 

Amount of insurance held as collateral, . . . 491,950 00 



132 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$64,930 92 

100,321 85 

24,831 75 

$190,084 52 
5,773 26 

|184,3U 26 

1,510,305 23 

35,919 10 

36,071 77 

$1,766,607 36 
7,502 19 



11,759,105 17 

52,034,240 00 
1,500,000 00 

$534,240 00 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



$258,136 00 
2,381,762 43 



$2,639,898 43 
239,461 01 

$2,400,437 42 
361,296 02 



sources, 



2,039,141 40 

18,334 89 

126,761 98 

4,838 98 

1,189,077 25 



Expenditures 

Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



L,169,237 83 
55,883 76 



$1,113,354 07 

150,000 00 

298,239 78 

83,712 00 

62,167 47 

193,727 31 

$1,901,200 63 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



133 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$208,733,089 00 82,709,909 26 
170,125,800 00 2,381,762 43 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$378,858,889 00 $5,091,671 69 
108,462,668 00 2,091,919 75 



$270,396,221 00 $2,999,751 94 
8,483,584 00 101,462 45 



$261,912,637 00 $2,898,289 49 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$36,395,838 00 

22,549,645 00 

1,104,892 00 

3,254,542 00 

150,000 00 

138,400 00 



AGGREGATE. 



Capital Stock. 
Whole amount of capital actually paid up in cash, 



Gross present assets, 



ASSETS; 



Liabilities. 
Gross present liabilities, 

Income. 

Cash actually received for fire premiums, . 
actually received for marine premiums, 
for interest and dividends from all sources, 
from all other sources, .... 

Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, 

actually paid during the year for marine losses, 
dividends to stockholders, .... 
for brokerage and commissions on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses, . 

Gross cash expenditures, .... 

Miscellaneous. 
Whole amount of fire risks written during the year, 
premiums charged or receivable thereon, 
marine risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine risks terminated during the year, 
fire risks outstanding at end of year, 
marine risks outstanding at end of year, 
cash dividends declared during the year, 
fire losses incurred during the year, 
marine losses incurred during the year, 



$3,850,000 00 
$9,199,631 00 
$3,123,266 00 



>,725,081 00 

921,336 00 

338,433 00 

13,266 00 



• 


$3,998,116 00 




$1,441,548 00 




744,897 00 




337,292 00 




472,468 00 




216,007 00 




86,787 00 




305,609 00 


• 


$3,604,608 00 



$252,641,696 00 

3,250,778 00 

60,101,703 00 

1,016,106 00 

192,409,756 00 

60,834,433 00 

380,869,241 00 

9,677,901 00 

337,500 00 

1,442,341 00 

820,730 00 



FIRE, MARINE AND FIRE-MARINE 
INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



136 



JETNA INSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES 



"^TNA INSURANCE COMPANY, 1 ' HARTFORD, CONN. 

[Incorporated June, 1819. Commenced business August, 1819.] 

Paid-up Capital, $4,000,000. 

WM. B. CLARK, President. WM. H. KING, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . $100,000 00 $107,000 00 

Alabama State bonds, 10,000 00 11,000 00 

Georgia State bonds, 25,000 00 28,750 00 

Mississippi State bonds, 11,000 00 12,650 00 

New Hampshire State bonds, .... 43,000 00 47,300 00 

Tennessee State bonds 23,000 00 20,470 00 

Arizona Territory bonds, . . . . 15,000 00 15,450 00 

Hartford County, Conn., bonds, . . . 5,000 00 5,000 00 

Mecklenburg County, N. C, bonds, . . . 67,000 00 76,380 00 

Spokane Co., Wash., court house and jail b'ds, 25,000 00 26,750 00 

Talbot County, Ga., court house bonds, . . 11,000 00 11,550 00 

Norwich, Conn., town bonds 100,000 00 126,000 00 

Windsor Locks, Conn., town bonds, . . . 10,000 00 10,400 00 

Albina, Oregon, city boulevard bonds, . . 25,000 00 28,750 00 

Americus, Ga., city p'blic b'ld'g and school b'ds, 6,000 00 6,840 00 

Bainbridge, Ga., city academy bonds, . . 8,000 00 8,800 00 

Boston, Mass., city bonds, .... 30,000 00 34,500 00 

Brooklyn, N. Y., city bonds, .... 9,00000 9,18000 

Buffalo, N Y., city bonds, . . . . 50,000 00 62,000 00 

City of Sioux Falls, So. Dak., funding bonds, . 25,000 00 25,500 00 

Chicago, 111., city bonds, 16,000 00 17,760 00 

Chicago sanitary district bonds, . . . 50,000 00 55,000 00 

Columbus, Ohio, city improvement bonds, . 14,000 00 14,840 00 

Dalles City, Oregon, water bonds, . . . 25,000 00 27,250 00 

Dallas, Tex , city water and sewer bonds, . 50,000 00 52,000 00 

Dayton, Ohio, city street paving bonds, . . 25,000 00 28,250 00 

Fostoria, Ohio, city water bonds, . . . 25,000 00 25,000 00 

Fort Wayne, Ind , city bonds, .... 25,000 00 27,000 00 

Glenville, Ohio, village bonds 7,000 00 7,140 00 

Greensboro', N. C, school bonds, . . . 24,000 00 25,200 00 

Greenville, Ala., school bonds, .... 20,000 00 21,000 00 

Hamilton, Ohio, city gas works bonds, . . 25,000 00 26,000 00 

Hartford, Conn, city bonds, .... 51,00000 54,57000 

Jersey City, N. J., city hall bonds, . . . 25,000 00 28,500 00 

Kansas City, Kan, improvement bonds, . . 44,500 00 47,615 00 



^ETNA INSURANCE CO. 



137 



Lexington, Ky., city bonds, 

Lockport, N. Y., city bonds, 

Montreal, Canada, corporation stock, 

Montreal, Canada, harbor bonds, 

Newark, N. J., city bonds, 

New Brunswick, N. J., water bonds, 

Ogden City, Utah, improvement bonds, 

Port of Portland, Oregon, gold bonds, 

Providence, R. L, city bonds, 

Rahway, N. J., city bonds, 

Richmond, Va., city bonds, 

Roanoke, Va., city bonds, . 

Seattle, Wash., city bonds, 

St. Louis, Mo., city gold bonds 

Superior, Wis., city gold bonds, 

Tacoma, Wash., city water and light bonds, 

Toledo, Ohio, city special bonds, 

Topeka, Kansas, city funding bonds, 

Urbana, Ohio, city bonds, 

Watsonville, Cal., school bonds, 

Winston, N. C, city bonds, 

Brooklyn Wharf & Wharehouse Co. bonds, 

Central safety deposit bonds, Chicago, . 

Tacoma safety deposit bonds, Chicago, . 

North-East School Dis., Hart., Conn., bonds, 

School District No. 2, Enfield, Conn., bonds, 

School Dis. No 1, County of Pueblo, Col., b'ds, 

School District No. 24, Woodbridge, N. J.,b'ds, 

State of 111., Mason & Tazewell Drain. Dis. b'ds, 

The Y. M. Ch. Ass'n, Wilmington, N. C, b'ds, 

Underwriters 1 Pro. Asso.of Newark, N.J., b 1 ds, 

Albany & Susquehanna R R. bonds, 

Alabama Central R.R. bonds, . 

Atchison, Colorado & Pacific R.R bonds, 

Akron & Chicago Junction R.R. bonds, . 

Buffalo & Erie R R. bonds, 

Buffalo, New York & Erie R.R. bonds, . 

Canadian Pacific Railway Co. Land Grant, 

Centralia & Chester R R. bonds, . . 

Chesapeake & Ohio R.R. bonds, 

Cleve., Col., Cin. & Indianapolis R.R. bonds 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern R.R. bonds, 

Chicago, R. I. & Pacific R R. bonds, . 

Chicago & Western Indiana R.R. bonds, 

Cincinnati, Dayton & Ironton R.R. bonds, 

Cincinnati, Hamilton & Dayton R.R. bonds, 



Par Value. 

$50,000 00 

25,000 00 

19,000 00 

4,000 00 

50,000 00 

8,000 00 

18,000 00 

50,000 00 

50,000 00 

22,000 00 

44,750 00 

30,000 00 

50,000 00 

50,000 00 

25,000 00 

25,000 00 

13,000 00 

25,000 00 

25,000 00 

13,000 00 

25,000 00 

50,000 00 

50,000 00 

50,000 00 

20,000 00 

4,000 00 

25,000 00 

6,000 00 

9,000 00 

20,000 00 

1,000 00 

100,000 00 

25,000 00 

50,000 00 

25,000 00 

46,000 00 

20,000 00 

100,000 00 

25,000 00 

50,000 00 

85,000 00 

162,000 00 

195,000 00 

155,000 00 

160,000 00 

103,000 00 

25,000 00 

82,000 00 



Market Value. 

$54,500 00 

26,750 00 

20,900 00 

4,000 00 

50,500 00 

8,800 00 

18,360 00 

54,500 00 

56,000 00 

19,250 00 

49,007 50 

31,500 00 

51,500 00 

53,000 00 

25,750 00 

25,750 00 

14,690 00 

26,500 00 

25,000 00 

13,600 00 

25,000 00 

52,500 00 

52,500 00 

55,000 00 

20,000 00 

4,000 00 

25,000 00 

6,240 00 

9,900 00 

20,000 00 

1,000 00 

124,500 00 

28,250 00 

20,000 00 

25,750 00 

49,680 00 

27,400 00 

112,000 00 

23,750 00 

48,500 00 

108,250 00 

174,850 00 

242,300 00 

199,550 00 

183,600 00 

119,210 00 

27,000 00 

92,220 00 



138 



JETNA INSURANCE CO. 



Columbus & Toledo R.R. bonds, 

Connecticut River R.R. coupon scrip, 

Dayton & Western R.R. bonds, 

Delaware & Hudson Canal Co. bonds, 

Flint & Pere Marquette R.R. bonds, . 

Hartford Street Railway bonds, 

Harlem River & Port Chester R.R. bonds 

Indiana & Lake Michigan R.R. bonds, 

Iowa Midland R.R. bonds, 

Kansas Pacific R.R. bonds, 

Keokuk & Des Moines R.R. bonds, . 

Lake Shore R.R. bonds, . 

Lake Shore & Mich. Southern R.R. bonds, 

Louisville, New Albany & Chicago R.R. bonds 

Louisiana & Missouri River R.R. bonds, . 

Mahoning Coal R.R. bonds, 

Michigan Central R.R. bonds, . 

Minneapolis & St. Louis R.R. bonds, 

Minneapolis Union R.R. bonds, 

Morris & Essex R.R. bonds, 

New York Central & Hudson River R.R. b'ds 

New York & Harlem R.R. bonds, 

New York, Lake Erie & Western R.R. bonds 

New York & New England R.R. bonds, . 

N. Y , New Haven & Hartford R.R. certs., 

Norfolk & Western R.R. bonds, 

Northwestern Union R R. bonds, 

Oswego R.R. Bridge Co. bonds, 

Ohio & West Virginia R.R. bonds, . 

Pittsburg, Ft. Wayne & Chicago R.R. bonds, 

Quincy, Alton & St. Louis Railway bonds, 

St. Paul, Minneapolis & Manitoba R.R. bonds 

St. Paul & Northern Pacific R.R. bonds, . 

St. Paul & Sioux City R.R. bonds, . 

Terre Haute & Peoria R.R. bonds, . 

Toledo & Ohio Central R.R. bonds, . 

Vermont Valley R.R. bonds, . 

Wabash R.R. bonds, 

West Chicago Street R.R. tunnel bonds, . 
West Shore R.R. bonds, .... 
Loan and Guarantee Co. of Connecticut bonds 
Atlantic Mutual Insurance Company scrip, 
400 shares American Telegraph and Cable, 
300 " Internat'l Ocean Telegraph Co., 
50 " Connecticut River Co., . 
10 " Underwriters 1 Salvage Co., N. Y. 
500 " Albany- & Susquehanna Railroad 
250 " Bald Eagle Valley Railroad Co., 



Par Value. 

$84,000 00 
15,000 00 
28,000 00 
25*000 00 
50,000 00 
50,000 00 
150,000 00 
50,000 00 
25,000 00 
25,000 00 
40,000 00 
30,000 00 
95,000 00 
25,000 00 
25,000 00 
30,000 00 
50,000 00 
25,000 00 
50,000 00 
135,000 00 
175,000 00 
10,000 00 
45,000 00 
50,000 00 
75,000 00 
50,000 00 
25,000 00 
50,000 00 
26,000 00 
196,000 00 
25,000 00 
9,000 00 
50,000 00 
20,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
10,000 00 
63,010 00 
40,000 00 
30,000 00 
5,000 00 
1,000 00 
50,000 00 
12,500 00 



Market Value. 

$98,770 00 
15,000 00 
31,920 00 
36,000 00 
46,250 00 
51,000 00 
182,000 00 
51,000 00 
29,500 00 
18,750 00 
42,000 00 
33,900 00 
116,900 00 
27,500 00 
28,750 00 
35,400 00 
59,375 00 
31,875 00 
62,000 00 
191,700 00 
217,000 00 
11,550 00 
65,700 00 
63,500 00 
102,750 00 
60,500 00 
34,250 00 
57,500 00 
31,460 00 
268,780 00 
25,000 00 
9,900 00 
62,000 00 
25,800 00 
25,000 00 
27,625 00 
52,500 00 
26,500 00 
51,000 00 
53,250 00 
10,000 00 
66,160 50 
37,200 00 
33,000 00 
1,000 00 
1,000 00 
87,500 00 
25,000 00 



JETNA INSURANCE CO. 



139 



150 shares Central Ohio Railroad Co., . 

750 " Cleve., C, C. & St. L. Railroad, 

1,000 " Cleveland & Pittsburg Railroad, 

240 " Chicago, Burl. & Quiney R.R., 

220 " Chic., Rock Island & Pacific R.R. 

300 " Connecticut River Railroad Co., 

500 " Conn. & Passumpsic Rivers R.R., 

300 " Dayton & Michigan Railroad Co. 

400 " Fort Wayne & Jackson R.R. Co , 

100 " Joliet & Chicago Railroad Co., 

200 " Kalamazoo, Alle.&G.R. R.R. Co. 

200 " Keokuk & Des Moines R.R. Co., 

1,000 " Morris & Essex Railroad Co., 

800 " N. Y. C. & Hudson River R R. Co. 

500 " New York & Harlem R R. Co , 

1,875 " N. Y., N. H. & Hartford R.R. Co 

1,000 " Northwest Telegraph Company, 

200 " Oswego & Syracuse R.R. Co., 

750 " Pitts., Ft. Wayne & Chic. R.R. Co. 

150 " Peoria & Bureau Valley R.R. Co. 

600 " Rensselaer & Saratoga R.R. Co., 

200 " Valley (New York) Railroad Co. 

200 " JEtnaN'l Bank, Hartford, Conn., 

200 " American N'l Bank, Hart., Conn. 

400 " Charter Oak N'l B'k, Hart., Conn. 

170 " City Bank of Hartford, Conn , 

150 " Conn. River B'k'g Co., Ht , Conn 

350 " Farm. & Meeh. N'l B'k, Ht., Conn 

200 " First Nat'l Bank, Hart., Conn., 

1,000 " Hartford N'l Bank, Hart., Conn., 

550 " N'l Exchange B'k, Hart , Conn., 

1,000 " Phoenix Nat'l B'k, Hart., Conn., 

550 " State Bank, Hart , Conn., 

400 " American Ex. Nat'l Bank, N. Y., 

400 " B'k of the Manhattan Co., N. Y., 

300 " B'k of N. Y. N'l B'g Asso., N.Y , 

100 " Hanover National Bank, N. Y., 

300 " Importers & Trad. N'l B'k, N. Y 

100 " Market & Fulton N'l B'k, N. Y., 

700 " Merchants' National Bank, N. Y., 

120 " Merchants' Ex. N'l Bank, N. Y., 

1,200 " Mechanics' Nat'l Bank, N Y., 

400 " Metropolitan Nat'l Bank, N. Y., 

200 " Nassau Bank, New York, . 

500 " Nat'l Bank of Commerce, N. Y., 

200 " N'l B'k of North America, N. Y , 

150 " N'l Bank of the Republic, N. Y., 

300 " N'l Butchers & Drovers Bk, N.Y 



Par Value. 

$7,500 00 
75,000 00 
50,000 00 
24,000 00 
22,000 00 
30,000 00 
50,000 00 
15,000 00 
40,000 00 
10,000 00 
20,000 00 
20,000 00 
50,000 00 
80,000 00 
25,000 00 

187,500 00 
50,000 00 
10,000 00 
75,000 00 
15,000 00 
60,000 00 
20,000 00 
20,000 00 
10,000 00 
40,000 00 
17,000 00 
4,500 00 
35,000 00 
20,000 00 

100,000 00 
27,500 00 

100,000 00 
55,000 00 
40,000 00 
20,000 00 
30,000 00 
10,000 00 
30,000 00 
10,000 00 
35,000 00 
6,000 00 
30,000 00 
40,000 00 
10,000 00 
50,000 00 
14,000 00 
15,000 00 
7,500 00 



Market Value. 

$3,900 00 
70,500 00 
83,500 00 
18,240 00 
14,740 00 
75,000 00 
52,500 00 
27,000 00 
50,000 00 
16,500 00 
26,000 00 
3,600 00 
83,500 00 
78,400 00 
70,000 00 

337,500 00 
56,000 00 
20,400 00 

125,250 00 
26,250 00 

109,200 00 
22,200 00 
28,000 00 
14,000 00 
40,000 00 
17,850 00 
6,300 00 
40,250 00 
22,400 00 

145,000 00 
35,750 00 

120,000 00 
60,500 00 
68,800 00 
40,000 00 
70,500 00 
32,000 00 

162,000 00 
22,000 00 
48,300 00 
7,200 00 
58,500 00 
2,000 00 
17,100 00 

105,000 00 
19,600 00 
24,000 00 
11,250 00 



140 



.ETNA INSURANCE CO. 



Par Value. Market Value. 

100 shares National City Bank, N. Y., . . $10,000 00 $15,000 00 

300 " Phenix National Bank, N. Y., . 6,000 00 7,020 00 

200 " Peoples 1 Bank, N. Y., . . . 5,000 00 12,500 00 

100 " Third National Bank, N. Y., . 10,000 00 10,600 00 

250 " Farm. &Mech.N , lB , k,Phila.,Pa., 25,000 00 27,750 00 

100 " First N'l Bank, Albany, N. Y., . 10,<>00 00 16,500 00 

100 " New Britain N'l B'k, N B., Conn., 10,000 00 16,000 00 

100 " Central Trust Company, N. Y., . 10,0<)0 00 105,000 00 

100 " Holland Trust Company, N. Y., . 10,000 00 10,000 00 

100 " Metropolitan Trust Co., N. Y., . 10,000 00 30,000 00 

150 " N.Y. Life Ins. & Trust Co., N.Y., 15,000 00 120,000 00 

100 " United States Trust Co., N. Y., . 10,000 00 104,000 00 

100 " Union Trust Company, N. Y., . 10,000 00 72,000 00 

$7,392,260 00 $9,526,068 00 



Securities held as collateral for cash loans : — 



25 shares National Bank of Commerce, N. Y., 
25 

2 

3 

2 

2 
10 

4 



Mechanics National Bank, N. Y., 
American Bell Telephone Co., . 
Chicago, Burlington & Quincy R.R., 
Manhattan Railway Co., . 
National New Haven Bank, 
NeAv York & New Jersey Tel. Co , . 
Nat 1 ! Pipe Bending Co., New Haven, 



Market Value. 


Loaned Thereon. 


$5,250 00 i 
1,218 75 ( 


. $3,600 00 


400 00^ 




228 00 




200 00 
340 00 


> 2,000 00 


1,210 00 




400 00, 


i 



>,246 75 $5,600 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, ..... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



$200,000 00 

36,000 00 

300 45 

9,526,068 00 

5,600 00 

1,865 04 

750,647 93 

387 50 

572,994 11 

$11,093,863 03 

255,837 50 



Balance $10,838,025 53 

* Value of lands mortgaged $37,000 00 

Value of buildings thereon, 38,000 00 

Amount of insurance held as collateral, . . . 26,500 00 



iETNA INSURANCE CO. 



141 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$61,200 73 

319,673 52 

52,296 01 

$433,170 26 

34.595 07 

$398,575 19 

3,026,590 39 

51,306 39 

1,000 00 

96.596 23 
65,411 47 

201,356 30 

^3,840,835 97 
150,695 77 



$3,690,140 20 



. $7,147,885 33 
. 4,000,000 00 



1,147,885 33 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, ... . . 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash fire premiums received, . 
Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from rents, ..... 
Deposits received for perpetual fire risks, 

Gross cash income, 



$587,308 47 
4,471,475 63 

$5,058,784 10 
533,583 86 

$4,525,200 24 
830,709 68 



$3,694,490 56 



>,957 18 
178,847 97 

$278,805 15 
39,410 25 

$239,394 90 
49,809 41 



sources, . 

$3,863 79 



189,585 49 
1,960 00 

472,880 18 
3,638 82 



1,362,555 05 



142 



^ETNA INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employe 
for State and local taxes, 
for incidental expenses, . 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$2,217,598 30 
167,866 11 

$157,505 13 
36,600 44 



es, 



fl,256 81 



5,049,732 19 



120,904 69 
720,000 00 
613,902 37 
258,304 42 
75,520 71 
265,356 22 



t,103,720 60 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 
Perpetual risks in force (not included 
above), 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



Premiums. 

$502,962,742 00 $6,214,674 92 
359,336,124 00 4,471,475 63 



$862,298,866 00 $10,686,150 55 
343,175,067 00 4,373,988 07 



$519,123,799 00 $6,312,162 48 
36,060,752 00 440,716 44 



$483,063,047 00 $5,871,446 04 
2,327,728 00 54,006 72 



$3,721,045 00 $104,235 27 
63,412,287 00 178,847 97 



,133,332 00 $283,083 24 
64,645,977 00 199,538 16 



J,487,355 00 



,545 08 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, . . 
Inland losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (18 per cent.), . 
Company's stock owned by directors, .... 



$136,547,381 00 

77,313,154 00 

2,043,574 00 

139,324 00 

22,193,365 00 

720,000 00 

363,900 00 



AGRICULTURAL INSURANCE CO. 



143 



« AGRICULTURAL INSURANCE COMPANY," WATERTOWN, N. Y. 

[Incorporated 1853.* Commenced business February, 1853.] 

Paid-up Capital, $500,000. 

JEA.N R. STEBBINS, President. H. M. STEVENS, Secretary. 



Detailed Statement of Stocks and Bonds. 



Union Pacific R.R. bonds, . 

City of Kingston bonds, 

City of Richmond bonds, 

Dexter Sulphite Pulp and Paper Co. bonds, . 
New York Central & Hudson River R.R. stock, 
Western Union Telegraph stock, 
National Union Bank stock, 
Watertown National Bank stock, 
Excelsior Carriage Co stock, . ,, 
Union Building & Loan Co. cert., . 



Securities held as collateral for cash loans : — 



Bagley & Sewall Co. stock, 

Barber Asphalt Paving Co. stock, 

Batopilas Mining Co bonds, 

Watertown Spring Wagon Co. stock, 

Chicago & Alton R.R. stock, . 

First National Bank of Carthage stock, . 

National Bank of Fayetteville stock, 

Felts Mills Paper Co stock, 

Rome, Watertown & Ogdensburg R.R. stock, 

Remington Paper Co. stock, 

First National Bank of Frankfort stock, . 

First National Bank of Herkimer stock, . 

Watertown Steam Engine Co. stock, 

Watertown National Bank stock, 

Hudson River Pulp & Paper Co. stock, . 

Watertown National Bank stock, 

Ontario Paper Co. stock, . 

Remington Paper Co. stock, 

Utica City National Bank stock, 

N Y. Central & Hudson River R.R. stock, 

International Pulp Co. stock, . 

Deeds of real estate, 

; Real estate mortgages, .... 



Par Value. 

$2,000 00 
141,600 00 

27,000 00 
5,000 00 

20,000 00 
128,500 00 

13,600 00 

10,500 00 
2,500 00 

10,000 00 



Market Value. 

$2,072 50 
152,928 00 

27,000 00 
5,000 00 

19,425 00 
110,510 00 

22,100 00 

19,425 00 
2,500 00 

10,000 00 



$360,700 00 $370,960 50 



Market Value. 

$23,700 00 

12,000 00 

4,000 00 

7,700 00 

6,820 00 

6,250 00 

1,667 50 

5,200 00 

5,800 00 

3,000 00 

11,250 00 

12,150 00 

10,290 00 

2,775 00 

30,000 00 

1,850 00 

3,700 00 

11,900 00 

2,000 00 

5,341 87 

1,000 00 

25,000 00 

46,660 50 



Loaned Thereon. 

$10,000 00 
8,000 00 

7,000 00 
3,899 91 
5,000 00 
1,450 00 
3,500 00 
2,500 00 
2,046 45 

' 18,000 00 

9,000 00 

2,100 00 

25,000 00 

3,650 00 

5,000 00 
6,000 00 

1,000 00 
19,137 40 
37,610 50 



$240,054 87 $169,894 26 



* Organized as mutual 1853; incorporated as stock 1863. 






144 



AGRICULTURAL INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $297,595 00 

Loans on mortgage of real estate (first liens*), 1,093,669 30 

Interest due or accrued thereon, . . . 35,708 07 

Stocks and bonds, as per schedule, . . . 370,960 50 

Loans on collateral security, as per schedule, . 169,894 26 

Cash in the office of the company, . . . 10,728 70 

Cash deposited in bank, 127,928 28 

Interest due and accrued, 9,824 06 

Premiums in course of collection (gross), . 177,379 91 

Notes taken for fire risks, . . . . 711 82 

Reinsurance due, 7,180 64 

Gross assets, 

Deduct special deposits in other States, 



Balance, 



1,301,580 54 
179,928 00 



1,121,652 54 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$36,903 46 

50,489 66 

31,772 00 

1,327,401 27 

75 00 

39,549 21 

5,217 69 

7,461 00 



$1,498,869 29 
81,516 00 



1,417,353 29 



$704,299 25 
500,000 00 

$204,299 25 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 



$170,436 70 
5,433 24 

$165,003 46 
1,386,695 00 

51,551,698 46 
177,379 91 

(1,374.318 55 
330,028 88 



$1,044,289 67 



* Total value of property mortgaged, 



$2,374,482 00 



ALBANY INSURANCE CO. 



145 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



173,493 52 

27,945 49 

3,419 89 



Gross cash income, $1,149,148 57 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



$593,981 84 
41,366 82 



$552,615 02 

49,980 00 

208,842 57 

125,601 85 

24,570 50 

99,552 17 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



Net amount in force, . 



$286,620,618 00 
157,565,000 00 

1444,185,618 00 
155,226,171 00 

$288,959,447 00 
11,625,400 00 



.,061,162 11 



Premiums. 

$2,819,119 52 
1,386,695 00 

$4,205,814 52 
1,437,726 65 

$2,768,087 87 
107,945 00 



$ 277,334,047 00 $2,660,142 87 



Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, . 



$19,480,301 00 

9,588,859 00 

557,992 00 

1,080,000 00 

50,000 00 

205,700 00 



" ALBANY INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated March 8, 1811. Commenced business March 16, 1811. Reorganized June 1, 1881.] 

Paid-up Capital, $250,000. 
JOHN HOWARD KINO, President. RICHARD V. DE WITT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Watervliet Turnpike and Railroad bonds, . $6,000 00 $6,900 00 

Northern Pacific Railroad bonds, . . . 20,000 00 22,900 00 

Albany & Susquehanna Railroad bonds, . . 25,000 00 29,500 00 

West Shore Railroad bonds, .... 41,000 00 42,845 00 



146 



ALBANY INSUKANCE CO. 



New York Central Railroad bonds, . 
Wabash Railroad Company bonds, . 
Municipal Gas bonds, Albany, N. Y., 
Union Railroad company bonds, 



Par Value. 

$34,000 00 

6,000 00 

1,000 00 

10,000 00 



Market Value. 

$35,250 00 

5,700 00 

1,100 00 

10,500 00 



$143,000 00 $154,695 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $12,560 41 
Loans on mortgage of real estate (first liens*), 235,650 00 

Interest due or accrued thereon, . . . 1,222 30 

Stocks and bonds, as per schedule, . . . 154,695 00 

Cash in the office of the company, . . . 5,566 99 

Cash deposited in bank, . . . . . 24,030 67 

Premiums in course of collection (gross), . 8,667 61 

Bills receivable, 2,043 47 

Gross assets, 



$444,436 45 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$520 25 
6,520 05 
2,300 00 
78,552 62 
166 67 
1,977 89 



90,037 48 

f 354,398 97 
250,000 00 

$104,398 97 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from all other sources, 

Gross cash income, .... 



$3,734 13 
132,895 38 

$136,629 51 
8,667 61 



127,961 90 
14,803 14 



sources, 



$113,158 76 

13,883 13 

5,570 00 

3,844 50 

$136,456 39 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$186,200 00 
357,550 00 
273,450 00 



AMERICAN INSURANCE CO. 



147 



Expenditures. 

Cash paid for fire losses, . . . m . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



$50,585 72 
2,756 37 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated 

In force at end of year, 
Deduct amount reinsured, , 

Net amount in force, . 



$17,178,490 00 
12,119,281 00 

$29,297,771 00 
12,081,773 00 

$17,215,998 00 
568,708 00 



$47,829 35 

30,000 00 

21,292 58 

10,526 42 

10,529 75 

4,179 55 

$124,357 65 



Premiums. 

$167,439 42 
132,895 38 

$300,334 80 
134,248 14 

$166,086 66 
5,870 89 



$16,647,290 00 $160,215 77 



Miscellaneous. 

Premiums received from reorganization of company, . 
Losses paid from reorganization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from reorganization of company, 
Dividends declared during the year (12 per cent.), . 
Company's stock owned by directors, .... 



$1,384,509 00 

755,004 00 

46,193 0Q 

305,000 00 

30,000 00 

60,250 00 



" AMERICAN INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated Feb. 20, 1846. Commenced business April 1, 1846.] 
Paid-up Capital, $600,000. 



F. H. HARRIS, President. 

Detailed Statement of Stocks 

United States bonds, 

North Hudson County, N. J., Railroad bonds, 

United New Jersey R.R. and Canal Co. bonds, 

Morris & Essex Railroad bonds, 

Lehigh Valley Railroad bonds, 

Long Dock (Jersey City) bonds, 

Newark Gas Company bonds, .... 



J. H. WORDEN, Secretary. 



and Bonds. 

Par Value. 

$100,000 00 
100,000 00 
100,000 00 
88,000 00 
110,000 00 
100,000 00 
50,000 00 



Market Value. 

$110,000 00 
104,000 00 
112,000 00 
123,640 00 
124,300 00 
128,000 00 
62,500 00 



$648,000 00 $764,440 00 



148 



AMERICAN INSURANCE CO. 



Summary op Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . . $253,977 20 
Loans on mortgage of real estate (first liens*), 1,470,422 06 



Interest clue or accrued thereon, 

Stocks and bonds, as per schedule, 

Cash in the office of the company, 

Cash deposited in bank, . 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, 

American Insurance Co. stock, . $70,000 00 
Premiums more than three mos. due, 488 52 
Gross assets, . . . . 



23,408 95 
764,440 00 

2,747 60 
33,091 03 

8,971 66 
44,747 94 

1,992 85 



$2,603,799 29 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Dividends to policy-holders unpaid, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$14,477 97 

31,359 12 

6,900 00 

$52,737 09 
1,332 74 

$51,404 35 

483,073 82 

5,150 15 

2,041 00 

8,699 06 

332 33 



550,700 71 

$2,053,098 58 
600,000 00 

$1,453,098 58 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, ..... 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 



$40,990 06 
475 79 



),514 27 
666,794 05 

$707,308 32 
45,236 46 



$662,071 86 
139,253 90 



$522,817 96 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



^3,764,070 00 
1,858,460 00 



AMERICAN CENTRAL INSURANCE CO. 



149 



Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



$76,641 78 

35,753 18 

1,341 10 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid stockholders, . 

Cash dividends paid policy-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$239,547 48 
11,940 19 



Gross cash expenditures, 



$636,554 02 



$227,607 29 
59,580 25 
1,645 00 
97,232 85 
50,176 34 
21,736 64 
31,265 59 

$489,243 96 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$105,714,667 00 $1,000,573 64 
68,458,777 00 666,794 05 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, . 



.74,173,444 00 $1,667,367 69 
67,216,248 00 668,601 96 



$106,957,196 00 $998,765 73 
3,967,065 00 39,897 05 



$102,990,131 00 $958,868 68 



Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), . 

Company's stock owned by directors, 



^9,328,359 00 

3,820,259 00 

230,500 00 

2,042,360 00 

60,000 00 

28,935 00 



"AMERICAN CENTRAL INSURANCE COMPANY," ST. LOUIS, MO. 

•[Incorporated February, 1853. Commenced business February, 1853.] 
GEORGE T. CRAM, President. JNO. H. ADAMS, Secretary. 

Paid-up Capital, $600,000. 

Detailed Statement of Stocks and Bonds. 



Commonwealth Realty Co. bonds, . 

St. Louis Merchants 1 Bridge Co. bonds, . 

Union Depot Railroad Co. bonds, 



Par Value. Market Value. 

$100,000 00 $100,000 00 

75,000 00 78,000 00 

50,000 00 54,000 00 



150 



AMERICAN CENTRAL INSURANCE CO. 



St. Clair, Madison & S. L. Belt R.R. Co. bonds, 

Laclede Gas Light Co. bonds, . 

St. Louis C, B. & O. Railway bonds, 

St. Louis County Park bonds, . 

Jerseyville, 111., bonds, 

Mo. Electric Light & Power Co. bonds, 

Norborne, Mo., school bonds, . 

School Dist. No. 1, Cass Co., 111., bonds, 

De Soto, Mo., city funding bonds, . 

Nat'l Bank of Com., St. Louis, stock, 

Commercial Bank, St. Louis, stock, . 

Third National Bank, St. Louis, stock, 

Mechanics 1 Bank, St. Louis, stock, . 

Boatmen's Bank, St. Louis, stock, 

Laclede Gas Light Co. stock, . 



Securities held as collateral for cash loans : - 

Laclede Building Company bonds, 

300 shares American Brake Company, 

500 " Broadway Real Estate Company, . 

57 " Publishers G. Knapp & Co., St. L., . 
100 " N'l B'k of Commerce, St. Louis, . 

20 " Union Trust Co., St. Louis, . 

10 " Mechanics' Bank, St. Louis, . 

35 " Miss. Valley Trust Co., St. Louis, . 
174 " Con. Land & Cattle Co., Dal., Tex., 
St. Louis Merchants' Bridge Co. bond, 



Par Value. 

$30,000 00 
23,000 00 
18,000 00 
15,000 00 
15,000 00 
32,000 00 
8,000 00 
10,000 00 
3,500 00 

180,000 00 
25,000 00 
23,200 00 
11,100 00 
10,000 00 
4,800 00 



Market Value. 

$27,000 00 
21,500 00 
20,000 00 
18,000 00 
15,000 00 
32,500 00 

8,000 00 
10,000 00 

3,500 00 
261,000 00 
66,000 00 
25,000 00 
27,500 00 
16,000 00 

4,000 00 



$633,600 00 $787,000 00 



Market Value. 

$50,000 00 

18,000 00 

50,000 00 

5,700 00 <\ 

14,500 00 

2,600 00 

2,500 00 J- 

2,800 00 

8,700 00 

1,000 00 



$155,800 00 $100,291 33 



Loaned Thereon. 

$45,000 00 
37,000 00 



18,291 33 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $500,000 00 

Loans on mortgage of real estate (first liens*), 81,000 00 

Stocks and bonds, as per schedule, . . 787,000 00 

Loans on collateral security, as per schedule, 100,291 33 

Cash in the office of the company, . . . 822 35 

Cash deposited in bank, 99,102 96 

Premiums in course of collection (gross), . 92,970 47 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, $1,611,187 11 



:,661,187 11 

50,000 00 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$131,000 00 
76,500 00 
38,000 00 



AMERICAN CENTRAL INSURANCE CO. 



151 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 



$29,511 93 
80,550 20 
30,981 30 

$141,043 43 
7,043 43 

$134,000 00 

662,000 01 

13,945 57 

938 30 

$810,883 88 
2,846 44 



Surplus over capital, . 



$808,037 44 

$803,149 67 

600,000 00 

$203,149 67 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $94,503 37 

Premiums on risks written or renewed, . . 1.008,226 95 

Total, $1,102,730 32 

Premiums now in course of collection, . . 92,970 47 



Entire premiums collected, .... $1,009,759 85 
Less reinsurance and return premiums. . . 207,064 60 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, 



Gross cash income, 



$802,695 25 

52,802 41 

22,045 92 

$877,543 58 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$525,305 63 
41,085 38 



$484,220 25 
60,000 00 
123,385 97 
64,998 11 
16,828 20 
99,232 10 

$848,664 63 



152 



AMERICAN FIRE INSURANCE CO. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$105,721,869 00 $1,320,018 11 
78,260,448 00 1,008,226 95 



Total, '. 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$183,982,317 00 $2,328,245 06 
76,216,634 00 991,854 02 



$107,765,683 00 $1,336,391 04 
2,627,562 00 30,554 07 



$105,138,121 00 $1,305,836 97 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), 
Company's stock owned by directors, . 



$16,749,612 00 

8,570,669 00 

506,436 00 

1,166,412 00 

60,000 00 

74,450 00 



"AMERICAN FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1857. Commenced business May 1, 1857.] 

Paid-up Capital, $392,150. , 

8ILAS P. WOOD, Vice-President. HENRY DAYTON, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Lake Gas Company (Chicago) bonds, 
St. Louis & Iron Mountain Railroad bonds, 
City of Brooklyn bonds, .... 
Baltimore & Ohio Railroad stock, . 
Merchants' National Bank stock, 
Phoenix National Bank stock, . 
American Exchange National Bank stock, 
Bank of New Amsterdam stock, 
Western Union Telegraph Company stock, 
Chicago & Northwestern Railway stock, . 
United States Mortgage Company stock, 



Par Value. 

$300,000 00 

30,000 00 

10,000 00 

100,000 00 

50,000 00 

5,000 00 

4,000 00 

9,000 00 

20,200 00 

30,000 00 

20,000 00 

2,000 00 



Market Value. 

$333,000 00 
28,500 00 

7,850 00 

103,000 00 

19,500 00 

6,600 00 

4,280 00 
15,300 00 
35,956 00 
25,725 00 
19,750 00 

4,200 00 



$580,200 00 |603,661 00 



AMERICAN FIRE INSURANCE CO. 



153 



Summary of Assets Dec. 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in banks, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Reinsurance due from other companies, . 
Premiums more than three mos. due, f 204 80 
Gross assets,f 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Unpaid scrip ordered to be redeemed, 

Interest due or accrued on scrip, 

Due and accrued for rent, salaries, etc , . 

State and local taxes, .... 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



31, 1895. 

$14,500 00 

120 83 

603,661 00 

1,181 02 

144,991 64 

250 00 

98,056 96 

16,137 65 



),650 64 
103,990 86 
32,525 00 

$157,166 50 
69,513 37 



\653 13 

193,343 51 

2,133 00 

7,431 14 

6,559 01 

30 93 

16,330 95 

9,297 10 



$878,899 10 



322,778 77 

1556,120 33 
392,150 00 

$163,970 33 



Income. 
Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 


. $300,605 92 
85,971 05 




Net collected, 

Premiums on risks written or renewed, . 


. $214,634 87 
. 1,144,258 80 




Total, 

Premiums now in course of collection, . 


. . $1,358,893 67 
98,261 76 




Entire premiums collected, 
Less reinsurance and return premiums, . 
Net cash fire premiums received, 
Interest received on morto;ao;es, 


. $1,260,631 91 
911,158 49 


$349,473 42 
1,136 00 


. 


Amount of insurance held as collateral, 


14,500 00 



t Including $200,000 special reserve fund held under New York law. 



154 



AMERICAN FIRE INSURANCE CO. 



Interest and dividends received from all other sources, . 
Received for surplus fund, .... $96,075 00 
Received for increased capital, . . . 192,150 00 

Gross cash income, 

Expenditures. 
Cash paid for fire losses, $892,875 16 

Deduct salvage and reinsurance, . . . 256,765 15 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, . 

Risks and Premiums. 



$33,011 21 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



8172,689,795 00 
110,087,641 00 

$282,777,436 00 
154,764,184 CO 

$128,013,252 00 
94,779,834 00 



$383,650 63 



$636,110 01 

20,000 00 

5 00 

152 98 

198,671 78 

72,708 95 

25,552 77 

114,217 42 

$1,067,418 91 

Premiums. 

$1,988,941 81 
1,144,258 8a 

53,133,200 61 
1,756,968 33 

11,376,232 28 
1,013,171 72 



$33,233,418 00 $363,060 56 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . . 
Fire losses incurred during the year, . . 
Cash dividends declared from organization of company, 
Dividends declared during the year, . . 

Company's stock owned by directors, .... 



$13,008,146 00 

7,379,199 00 

456,634 00 

1,456,000 00 

20,000 00 

144,000 00 



" AMERICAN FIRE INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated Feb. 28, 1810. Commenced business March 12, 1810.] 

Paid-up Capital, $500,000. 

THOS. H. MONTGOMERY, President. RICHARD MARIS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Steubenville & Indiana Railroad bonds, . . $21,000 00 $23,520 00 

Belt Road and Stock Yard bonds, . . . 20,000 00 20,800 00 

Chicago & Western Indiana Railroad bonds, . 14,000 00 15,791 00 

Philadelphia & Reading Railroad bonds, . . 62,000 00 46,500 00 



AMERICAN FIRE INSURANCE CO. 



155 



North Pennsylvania Railroad bonds, 
Virginia & Tennessee Railroad bonds, 
Georgia State bonds, .... 

Delaware & Chesapeake Railroad bonds, 
Huntingdon & Broad Top Mt. R.R. bonds, 
Huntingdon & Broad Top Mt. R.R. car trust, 
Corning, Cowanesque & Antrim R.R. bonds, 
Philadelphia & Reading Railroad bonds, 
Lehigh Valley Railroad bonds, 
Mortgage Trust Company, Pa., bonds, 
Middlesex Banking Company bonds, 
Northern Central Railroad bonds, . 
Northern Pacific & Montana Railroad bonds, 
Penn. & New York Canal and Railroad bonds 

Portland city bonds, 

N. W. Guaranty Loan Company bonds, . 

Wheeling & Lake Erie Exten. Imp. R.R. bonds 

Buffalo Street Railroad bonds, . . 

Hughesville water bonds, 

Pitts., Cin., Chic. & St. Louis R.R. bonds, 

Springfield water bonds, .... 

United Electric securities, 

Terre Haute & Logansport Railroad bonds, 

Lehigh Valley Railroad bonds, 

Lehighton water bonds, .... 

Camden & Atlantic Railroad bonds, 

Pittsburgh, Chartiers & Yough. bonds, . 

Omaha Loan & Trust Company, 

Norfolk & Western Railroad car trust, . 

Ashtabula & Pittsburgh Railroad, . 

Seaford & Roanoke Railroad, . 

20 shares Philadelphia Bourse, 

18 shares Phil. & Lancaster Turnpike Co., 

Berwin Water Company bonds, 

Second Avenue Traction Co., Pittsburgh, 

Company's own stock, . . . $800 00 

Securities held as collateral for cash loans : ■ 

Lehigh Coal and Navigation Co., bonds, . 

10 shares First Nat'l B'k of Hughesv'le, Pa., 
2,250 " Northern Pacific Railroad, . 

925 " Lehigh Valley Railroad, 

120£ " Welsbach Light, . 
Electric and People's Railway bonds, 
Philadelphia, Reading & New England R.R., 
200 shares Allegheny Valley Railway, . 

40 shares Commonwealth Title Ins. Co., 



Par Value. 

$26,000 00 
25,000 00 
25,000 00 

5,000 00 
10,000 00 
10,000 00 

7,000 00 
25,000 00 
51,000 00 
25,000 00 
25,000 00 
20,000 00 
30,000 00 
50,000 00 
50,000 00 
30,250 00 
15,000 00 
20,000 00 
17,000 00 
30,000 00 
10,000 00 
10,000 00 
25,000 00 
25,000 00 

4,000 00 
15,000 00 
10,000 00 
10,000 00 
12,000 00 
15,000 00 
20,000 00 

1,000 00 

180 00 

10,000 00 

11,000 00 



Market Value. 

$32,500 00 
25,625 00 
28,000 00 

4,483 00 
10,600 00 
10,066 66 

7,000 00 
26,000 00 
64,770 00 
25,104 16 
25,125 00 
23,200 00 

9,000 00 
54,000 00 
57,500 00 
12,750 00 
14,562 50 
21,000 00 
17,085 00 
31,500 00 
10,300 00 

9,458 34 
26,250 00 
25,250 00 

4,100 00 
17,100 00 
10,000 00 
10,100 00 

9,600 00 
17,100 00 
21,000 00 
800 00 
40 50 
10,166 66 
11,320 83 



$791,430 00 $789,068 65 



Market Value. Loaned Thereon. 



$3,960 00 
1,150 00 
10,250 00^1 
33,300 00 
6,120 00 
7,004 12 
1,200 00 
2,000 00 J 
2,740 00 



$2,500 00 
500 00 



). 50,000 00 



2,200 00 



$67,724 12 $55,200 00 



156 



AMERICAN FIRE INSURANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross) , 
Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, , $2,352,084 53 



31, 1895. 

$255,014 31 

1,101,254 13 

21,695 79 

789,916 65 

55,200 00 

11,552 84 

75,383 75 

524 90 

91,616 51 

7,425 65 



!,409,584 53 
57,500 00 



Liabilities. 
Losses adjusted, unpaid, . ■ . 

claimed and reported, . 

disputed or resisted, . . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$19,556 07 
122,549 85 

28,128 19 
852,857 95 
563,632 17 

13,742 41 
4,594 34 

11,605,060 98 
12,491 37 



1,592,569 61 

$759,514 92 
500,000 00 

$259,514 92 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 



,459 28 

14,768 89 



1,690 39 
1,460,028 76 

51,543,719 15 
91,616 51 

^1,452,102 64 
267,938 57 



.,184,164 07 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,277,221 00 
994,450 00 
911,682 00 



AMERICAN FIRE INSURANCE CO. 



157 



Interest received on mortgages, ...... 

Interest and dividends received from all other sources, . 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, . $19,493 28 

Gross cash income, 



$59,485 06 

41,077 66 

7,125 98 

6,987 99 



$1,298,840 76 



Expenditures. 

Cash paid for fire losses '. $817,232 77 

Deduct salvage and reinsurance, . . . 9,439 93 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, . . . 

for expenses on real estate, 
Deposits returned on perpetual fire risks, . $14,300 36 



$826,672 7a 

27,500 00 

213,185 64 

103,750 00 

32,093 97 

93,021 40 

7,971 66 



Gross cash expenditures, 



. $1,304,195 37 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 
Perpetual risks in force (not included 
above), . 



Premiums. 

$164,551,360 00 $2,105,493 26 
114,799,046 00 1,460,028 76 



$279,350,406 00 $3,565,522 01 
126,392,100 00 1,637,226 67 



$152,958,306 00 $1,928,295 34 
6,389,407 00 80,859 15 



$146,568,899 00 J 1,847,436 1& 
$23,176,604 00 $615,665 12 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (5£ per cent.), 

Company's stock owned by directors, 



$29,779,166 00 

17,939,216 00 

790,514 00 

2,698,935 00 

27,500 00 

24,400 00 



158 



ARMENIA INSURANCE CO. 



"ARMENIA INSURANCE COMPANY OF PITTSBURG, PA.," 

PITTSBURG, PA. 

[[Incorporated March 26, 1872. Commenced business May 15, 1872.] 

Paid-up Capital, $250,000. 

J. O. WAINWRIGHT, President. W. D. McGILL, Secretary. 



Detailed Statement of Stocks and Bonds. 

Far Value. 

Westinghouse Machine Co. bonds, . . . $10,000 00 
Birmingham, Knoxville & Allent'n Tract. Co., 15,000 00 

10 shares Denver Loan & Safe Deposit Co., . 1,000 00 



Market Value. 

$10,000 00 

13,950 00 

1,000 00 



Securities held as collateral for cash loans : — 



Chartier's Valley Gas Co. bonds, 
100 shares Ben. Franklin Ins. Co., 
Loaned on company's own stock, 



$26,000 00 $24,950 00 



Market Value. Loaned Thereon. 

$9,900 00 $5,600 00 
5,000 00 3,000 00 



$5,000 00 



$14,900 00 $8,600 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Loaned on Armenia Ins. Co. stock, $5,000 00 
Gross assets, 



5,797 17 

242,530 31 

5,493 81 

24,950 00 

8,600 00 

1,824 17 

5,841 94 

365 00 

25,097 35 

489 17 



$361,988 92 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 



$4,490 95 
8,059 67 
3,416 66 

84,323 46 
534 00 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$420,500 00 
528,750 00 
212,700 00 



ARMENIA INSURANCE CO. 



159 



Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



55,019 47 
1,213 31 



$107,057 52 

$254,931 40 
250,000 00 

$4,931 40 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $12,294 60 
Premiums on risks written or renewed, . . 143,504 32 



Total, $155,798 92 

Premiums now in course of collection, . . 25,097 35 



Entire premiums collected, .... $130,701 57 
Less reinsurance and return premiums, . . 19,309 21 

Net cash fire premiums received, . . . $111,392 36 

Interest received on mortgages, 12,662 12 

Interest and dividends received from all other sources, . . 1,500 00 

Income from all other sources, ...... 3,175 42 



Gross cash income, . $128,729 90 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . . 

Gross cash expenditures, .... 



$56,268 06 
1,386 41 



$54,881 65 

222 00 

31,789 69 

5,600 00 

3,140 03 

9,208 68 

$104,842 05 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

$9,467,732 00 $121,278 11 
12,224,902 00 143,504 32 



$21,692,634 00 $264,782 43 
8,878,728 00 100,055 69 



$12,813,906 00 $164,726 74 
322,688 00 4,702 85 



$12,491,218 00 $160,023 89 



160 



ASSURANCE LLOYDS OF AMERICA. 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . . 

Cash dividends declared from organization of company, 

Company's stock owned by directors, .... 



$1,352,103 00 
691,407 00 

58,040 00 
337,500 00 

84,800 00 



" ASSURANCE LLOYDS OF AMERICA," NEW YORK, N. Y. 

[Incorporated Feb. 15, 1892. Commenced business Dec. 20, 1893.] 
R. C. RATHBONE & BON, Managers. 

Summary of Assets Dec 31, 1895. 

United States bonds, . . . . . . $462,966 50 

Cash deposited in banks, . . . . . 139,916 12 

Interest due and accrued, 3,333 33 

Premiums in course of collection (gross), . 58,616 26 

Gross assets, $664,832 21 



Liabilities. 

Losses in process of adjustment, 
Unearned premiums on outstanding risks, 
Reinsurance disallowed, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Guarantee fund (retired subscribers), 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 



$9,459 28 
130,330 84 
11,248 69 
11,060 72 
3,039 12 
45,458 70 



210,597 35 



$454,234 86 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $45,733 55 

Premiums on risks written or renewed, . . 405,753 25 

Total, $451,486 80 

Premiums now in course of collection, . . 58,616 26 



Entire premiums collected, .... $392,870 54 
Less reinsurance and return premiums, . . 88,576 36 

Net cash fire premiums received, . . . $304,294 18 

Interest and dividends received from all sources, . . . 16,881 13 

Income from old management, 3,328 98 

Received for increased capital, . . . $10,000 00 

Gross cash income, $324,504 29 



ATLANTIC MUTUAL INSURANCE CO. 



101 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
Cash paid for incidental expenses, . 

Gross cash expenditures, . 



,573 87 
11,563 03 



$67,010 84 

28,233 80 

74,532 65 

7,979 34 



$177,756 63 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

. $13,177,800 00 $209,020 87 
. 30,575,111 00 405,753 25 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



$43,752,911 00 $614,774 12 
14,444,391 00 327,159 20 



,308,520 00 $287,614 92 
3,120,870 00 26,953 25 



Net amount in force, 



$26,187,650 00 $260,661 67 



Miscellaneous. 



Premiums received under present management, 

Losses paid under present management, . 

Fire losses incurred during the year, 

Cash dividends declared since commencing business, 



$624,998 00 

146,922 00 

72,757 00 

28,234 00 



"ATLANTIC MUTUAL INSURANCE COMPANY," 
NEW YORK, N. Y. 

[Incorporated April 11, 1842. Commenced business July 1, 1842.] 
W. H. H. MOORE, President. JOSEPH H. CHAPMAN", Secretary. 



Detailed Statement of 



American Exchange Bank stock 
Bank of America stock, . 
Bank of Commerce stock, 
Bank of New York stock, 
Leather Manufacturers' Bank, 
Merchants' Bank stock, 
Mechanics' Bank stock, 
Manhattan Company stock, 
Market & Fulton Bank stock, 
Phenix Bank stock, . 



Stocks and Bonds. 

Par Value. 

f 90,000 00 

50,000 00 

64,100 00 

94,200 00 

25,600 00' 

70,150 00 

47,675 00 

18,000 00 

30,000 00 

71,310 00 



Market Value.* 

|90,000 00 
50,000 00 
64,100 00 
94,200 00 
25,600 00 
70,150 00 
47,675 00 
18,000 00 
30,000 00 
71,340 00 



* Estimated for the purpose of permanent investment. 



162 



ATLANTIC MUTUAL INSURANCE CO. 



Atlantic Trust Co. stock, .... 

Consolidated Gas Company stock, . 

New York County stock, .... 

New York City stock, ... 

Long Island Railroad Company stock, 

N. Y. Central & Hudson River R.R stock, 

N. Y. Central & Hudson River R.R. bonds, 

New York. Chicago & St. Louis R R. bonds, 

West Shore Railroad bonds, . 

Brooklyn & Monta.uk Railroad bonds, 

Seattle, Lake Shore & Eastern Railway bonds 

Brooklyn City Park bonds, 

Jersey City water bonds, .... 

District of Columbia bonds, 

United States bonds, .... 



Par Value. 

$200,000 00 

50,000 00 

100,000 00 

196,600 00 

50,000 00 

660,000 00 

139,000 00 

200,000 00 

200,000 00 

75,000 00 

100,000 00 

122,000 00 

100,000 00 

369,000 00 

5,748,000 00 



Market Value. 

$2o0,000 00 

50,000 00 

100,000 00 

178,740 00 

40,000 00 

528,000 00 

111,200 00 

150,000 00 

150,000 00 

60,000 00 

50,000 00 

109,800 00 

100,000 00 

258,300 00 

5,412,000 00 



Securities held as collateral for cash loans : — 



Fourth National Bank stock, . 
Consolidated Gas Co. of New York stock, 
Col., Hocking Valley & Toledo R'y bonds, 
N. Y. Central & Hudson River R R. stock, 
Chicago & Northwestern Railway stock, 
Chicago, Milwaukee & St. Paul R'y stock, 
Chicago, Rock Island & Pacific R.R. stock, 
Delaware, Lackawanna & Western R R, stock, 
Illinois Central Railroad stock, 



$,870,665 00 $8,059,105 00 



Market Value. Loaned Thereon. 



$11,000 00 
22,500 00 
13,000 00 

9,000 00 
16,000 00^ 

7,500 00 J 

3,800 00 )> 
13,000 00 1 

4,500 00 j 



|22,000 00 

10,000 00 
4,500 00 



30,000 00 



$100,300 00 $66,500 00 

Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate,* . $760,000 00 

Stocks and bonds, as per schedule, . . . 8,059,105 00 

Loans on collateral security, as per schedule, . 66,500 00 
Cash deposited in banks and with English 

bankers, . . 1,592,523 23 

Notes taken for marine and inland risks, . 896,431 88 

Gross assets, . . . . . . f 11,374,560 11 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



5,981 27 
1,253,257 29 

77,000 00 



* Estimated for the purpose of permanent investment. 



ATLANTIC MUTUAL INSURANCE CO. 



163 



Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 

Return premiums, 

Incidentals, 

Gross liabilities, except capital, 



$1,109,275 00 
237,000 00 

10,834 45 
140,217 84 

19,136 25 



Surplus as regards policy-holders, . 

Scrip outstanding, not ordered to be redeemed, 

Surplus over capital, . . 



- $2,935,702 10 

. $8,438,858 01 

. 7,076,185 00 

. $1,362,673 01 



Income. 

Cash marine premiums received, 

Interest and dividends received from all sources, 

Income from rents, 

Income from all other sources, 

Gross cash income, . 



1,405,943 93 

503,621 67 

46,979 17 

3,144 00 

5,959,688 77 



Expenditures. 

Cash paid for marine and inland losses, . . $1,218,407 55 
Deduct salvage and reinsurance, . . . 72,124 95 



Net cash paid for marine and inland losses, . 
Cash paid for redemption of scrip, . 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, . . . . 



fl,145,982 60 

759,350 00 
412,950 20 

17,108 19 
393,229 37 

37,493 09 

$2,766,113 45 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, . 
Marine risks written during 1895, . 

Total 

Deduct risks expired, and terminated, 

In force at end of year, .... 



Premiums. 

3,274,151 00 $1,027,151 41 
375,502,013 00 2,622,872 42 



$478,776,164 00 $3,650,023 83 
371,142,254 00 2,540,748 83 



$107,633,910 00 $1,109,275 00 



Miscellaneous. 
Marine and inland losses incurred during the year (estimated), $927,530 00 



164 



BUFFALO GERMAN INSURANCE CO. 



"BUFFALO GERMAN INSURANCE COMPANY," BUFFALO, N. Y. 

[Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867.] 

Paid-up Capital, $200,000. 

PHILIP BECKER, President. OLIVER J. EGGERT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Buffalo city bonds, $522,000 00 $522,000 00 

Buffalo & Southwestern Railroad bonds, . . "36,250 00 36,250 00 

Tonawanda Gas Company bonds, . . . 33,000 00 33,000 00 

Buffalo city warrants, 18,129 48 18,129 48 



Securities held as collateral for cash loans : — 

German Bank of Buffalo, N. Y., stock, 
Citizens 1 Gas Co., Buffalo, N. Y., 1st mort. bd's, 
Buffalo Street Railroad Company bonds, . 
Union Fire Insurance Co., Buffalo, stock, 
German Bank of Buffalo, N. Y., stock, 
Citizens 1 Gas Co , Buffalo, N. Y., stock, . 
Citizens 1 Gas Co., Buffalo, N. Y., bonds, . 
Exchange Elevator, N. Y., stock, 
Third National Bank of Buffalo stock, 
Cataract Bank of Niagara Falls, N. Y., stock, 
Carter Crume Co , Niagara Falls, stock, . 
German Bank of Buffalo, N. Y., stock, . 
Buffalo Loan & Trust & Safe Dep. Co. stock, 
Union Bank of Buffalo, N. Y., stock, 
Co-operative Brewing Co , Buffalo, stock, 
Co-operative Stove Co., Buffalo, stock, . 
Citizens 1 Gas Co., Buffalo, N. Y., stock; . 



$609,379 48 $609,379 48 



Market Value. 

$12,000 00 

40,000 00 

10,000 00 

1,100 00 

6,000 00 

5,640 00 

4,625 00 

1,000 00 

63,000 00 

3,750 00 

10,500 00 

4,000 00 

5,000 00 

2,000 00 

4,125 00 

7,400 00 

38,580 00 



Loaned Thereon. 

$5,000 00 

32,000 00 

8,000 00 

) 

} 15,000 00 

) 

700 00 
55,000 00 

I 4,500 00 

■ 
I 
} 13,000 00 



20,000 00 



$218,720 00 f 153,200 00 



Summary of Assets Dec 


31, 1895. 


Cash value of unencumbered real estate, 


$302,112 72 


Loans on mortgage of real estate (first liens* 


), 516,360 00 


Interest due or accrued thereon, 


5,162 95 


Stocks and bonds, as per schedule, . 


609,379 48 


Loans on collateral security, as per schedule, 


153,200 00 


Cash in the office of the company, . 


2,557 07 


Cash deposited in bank, .... 


106,301 94 


Interest due and accrued, .... 


3,511 25 


Premiums in course of collection (gross), 


44,962 37 


Notes taken for fire risks, 


2,945 20 


Rents due and accrued, .... 


1,918 75 


Gross assets,! 


4M 77Q /ill 7Q 


. ..... $)!.,< (0,4:11 ID 










Amount of insurance held as collateral, 


390,100 00 



| Including $200,000 special reserve fund held under New York law. 






BUFFALO GERMAN INSURANCE CO. 



105 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 



Surplus over capital, . 



$3,180 68 

17,705 00 

2,900 00 

353,699 99 

8,601 00 

58 42 



,045 09 



. $1,392,366 64 
200,000 00 



. $1,192,366 64 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Same not collected, . 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Income from all other sources, 



Gross cash income, 



other 



$52,912 81 
20 57 

$52,892 24 
489,348 54 

$542,240 78 
44,962 37 



f 497,278 41 
76,792 59 



sources, 



$420,485 82 

32,402 28 

27,853 45 

20,416 03 

2,245 48 



$503,403 06 



Expenditures. 

Cash paid for fire losses, ' 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . 



$210,156 05 
1,076 99 



$209,079 06 
50,000 00 
87,195 15 
28,524 27 
8,266 89 
32,463 18 

$415,528 55 



166 



THE CAPITAL FIRE INSURANCE CO. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$67,492,712 00 $739,553 47 
42,237,586 00 489,348 54 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . . 



$109,730,298 00 $1,228,902 01 
44,5,18,992 00 515,059 10 



$65,211,306 00 $713,842 91 
1,221,120 00 12,032 83 



$63,990,186 00 $701,810 08 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (25 per cent.), 

Company's stock owned by directors, . . 



^8,200,073 00 

4,221,411 00 

206,050 00 

875,925 00 

50,000 00 

60,300 00 



"THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H.," 

CONCORD, N. H. 

[Incorporated March 10, 1886. Commenced business March 19, 1886.] 

Paid-up Capital, $200,000. 

LYMAN JACKMAN, President. CHARLES L. JACKMAN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

City of Portsmouth, N. H., bonds, . . . $40,000 00 $42,400 00 

City of Dover, N. H., bonds 26,000 00 27,560 00 

City of Concord, N. H , bonds, . . . 25,000 00 26,500 00 

New Hampshire Trust Co. bonds, . . . 9,000 00 7,200 00 

Iowa Loan & Trust Co. bonds, . . . 5,000 00 5,000 00 

Muscatine Mortgage & Trust Co. bonds, . . 4,250 00 4,250 00 

City Water Co., Merrill, Wis., bonds, . . 5,000 00 5,000 00 

Clinton, Iowa, Water Works bonds, . . 5,000 00 5,000 00 

Windsor Land & In Co , Denver, Col., bonds, 5,000 00 5,000 00 

Spokane & Palouse Railroad Co. bonds, . . 5,000 00 5,000 00 

Central Loan & Debenture Co. bonds, . . 4,000 00 4,000 00 

Winfield Water Co. bonds, . . . . 3,000 00 3,000 00 

Johnson L. & T Co., Ark. City, Kan , bonds, . 1,905 00 1,905 00 

Grand Forks, Dak., Gas & Electric Co. bonds, 2,500 00 2,500 00 

Davidson Investment Co. bonds, . . . 2,000 00 500 00 

Wichita, Kan., Water Co. bonds, . . . 2,000 00 2,000 00 



THE CAPITAL FIRE INSURANCE CO. 



167 



Metropolitan West End R.R. Co. bonds, 
Nebraska Loan & Trust Co. bonds, . 
Kingman, Kansas, Water Co. bonds, 
60 shares C. & M. R.R., . 
25 " Page Belting Co., 
25 " Prescott Piano Co., . 

1 " Amoskeag Manufacturing Co., 

2 " Nashua Manufacturing Co , 
2 " West Side Construction Co., 

Town of Montrose, Col., bonds, 
Denver Consolidated Electric Co. bonds, 



Summary op Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . ... 
Interest due and accrued, . . 
Premiums in course of collection (gross), 
Bills receivable, . ... 

Gross assets, 

Liabilities. 



Par Value. 

$2,000 00 
1,000 00 
1,000 00 
6,000 00 
2,500 00 
2,500 00 
1,000 00 
1,000 00 
200 00 
800 00 
1,000 00 



Market Value. 

$2,000 00 

1,000 00 

1,000 00 

10,320 00 

1,875 00 

2,500 00 

1,750 00 

1,140 00 

200 00 

800 00 

1,000 00 



$163,655 00 $170,400 00 

31, 1895. 

$100,387 03 

57,935 00 

612 08 

170,400 00 

2,424 11 

36,322 30 

931 67 

51,217 35 

2,652 54 

$422,882 08 



Losses adjusted, unpaid, .... 


$13,376 17 




claimed and reported, . . 


15,155 13 




disputed or resisted, 


700 00 




Total amount of losses, .... 


$29,231 30 




Less reinsurance, 


810 03 




Net amount of unpaid losses, . 


$28,421 27 




Unearned premiums on outstanding risks, 


135,913 24 




Due and accrued for rent, salaries, etc., . 


6,236 66 




Due for borrowed money, 


24,000 00 




Commissions and brokerage, . . 


6,841 44 




Return premiums, etc., .... 


5,077 09 




Reinsurance disallowed, . . 


6,742 37 




Gross liabilities, except capital, 




213,232 07 




Surplus as regards policy-holders, . 


$209,650 01 






200,000 00 




$9,650 01 


* Value of lands mortgaged, . . . 


. $71,575 00 


Value of buildings thereon, 


, . . . 79,575 


00 


Amount of insurance held as collateral, . 


55,000 00 



168 



THE CAPITAL FIRE INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 



Gross cash income, 



$99,363 00 
299,778 56 



$399,141 56 
51,217 35 



$347,924 21 
142,135 18 



other sources, . 



$205,789 03 
3,729 92 
7,328 89 
6,014 46 



$222,862 30 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employee 

for State and local taxes, 

for incidentals, . . 

for interest on borrowed money, 

for repairs on real estate, 

Gross cash expenditures, . 



,194 70 
52,112 79 



$106,081 91 
8,000 00 
52,737 38 
6,374 72 
4,396 68 
5,383 31 
1,715 52 
1,147 61 



$185,837 13 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

.$23,625,127 00 $323,735 37 
. 20,853,196 00 299,778 56 



Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



.$44,478,323 00 $623,513 93 
. 21,787,628 00 317,863 12 



. $22,690,695 00 $305,650 81 
. 2,820,551 00 40,355 53 



,870,144 00 $265,295 28 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of companj*, 
Dividends declared during the year (4 per cent.), . 
Company's stock owned by directors, . 



$1,553,155 00 

499,891 00 

123,234 00 

61,614 00 

8,000 00 

56,100 00 



citizens' INSURANCE CO. 



169 



"CITIZENS' INSURANCE COMPANY," NEW YORK. 

[Incorporated April, 1836. Commenced business April, 1837.] 

Paid-tjp Capital, $300,000. 

EDWARD A. WALTON, President. FRANK M. PARKER, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 
National Bank of Commerce stock, . 
National Citizens 1 Bank stock, . 
National Bank of the Republic stock, 
Consolidated Gas Company stock, . 
Union Trust Company stock, . 
Oregon Short Line & Utah No. R.R. bonds, 
Lake Shore & Michigan Southern R.R. bonds 
New York, Chicago & St. Louis R.R. bonds, 
Cleveland, Cin., Chic. & St. Louis R.R. stock, 
Union Pacific Railroad stock, . 
Underwriters 1 Salvage Company, . 



Securities held as collateral for cash loans 

Butchers 1 and Drovers 1 Nat'l Bank stock, 
Pennsylvania Railroad stock, . 
Elizabethtown, Lexington & B. S. R R., 
Consolidated Gas Company stock, . 
National Citizens 1 Bank stock, . 
Laclede Gas Light Company, . 
Missouri Pacific Railroad Company, 
Detroit Gas Company bonds, . 
St. Louis & Iron Mountain Railroad bonds, 



and Bonds. 

Par Value. 

$150,000 00 
10,000 00 
30,000 00 

5,000 00 
20,000 00 
10,000 00 

2,000 00 
50,000 00 
10,000 00 
30,000 00 
20,000 00 

1,250 00 



Market Value. 

$166,500 00 

20,700 00 

42,000 00 

8,000 00 

29,600 00 

73,500 00 

1,100 00 

58,000 00 

10,250 00 

16,400 00 

800 00 

1,000 00 



$338,250 00 $427,850 00 



Market Value. 

$1,700 00 
2,500 00 
1,000 00 
3,700 00 
1,350 00 

20,200 00 ^ 



Loaned Thereon. 

$900 00 
2,000 00 

4,700 00 



10,00000^ 40j00000 



9,100 00 
10,270 00 J 



$59,820 00 $47,600 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $100,300 00 

Loans on mortgage of real estate (first liens*), 21,300 00 

Interest accrued thereon, 106 50 

Stocks and bonds, as per schedule, . . . 427,850 00 

Loans on collateral security, as per schedule, . 47,600 00 

Cash in the office of the company, . . . 8,812 86 

Cash deposited in banks, 63,833 97 

Interest due and accrued, ..... 4,796 67 

Premiums in course of collection (gross), . 118,743 64 

Rents due and accrued, 1,600 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . x 



$25,000 00 
36,500 00 
26,200 00 



170 



CITIZENS INSURANCE CO. 



Reinsurance due on losses paid, 

Reinsurance on same disallowed, . $4,301 59 

Premiums more than three mos. due, . 1,742 05 

Gross assets, 

Deduct special deposits in other States, . 



,150 52 



$797,094 16 
27,750 00 



Balance, $769,344 16 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., . 
Due for borrowed money, 
Commissions and brokerage, . 
Return premiums and reinsurance, . 

Gross liabilities, except capital, 
Deduct liability ou special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus^over capital, . 



$12,309 76 

20,320 24 

8,622 84 

$41,252 84 
1,056 78 

$40,196 06 

298,249 83 

1,163 60 

900 00 

50,000 00 

14,792 39 

1,046 80 

$406,348 68 
630 17 



405,718 51 



$363,625 65 
300,000 00 



,625 65 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



$131,596 42 
3,758 84 



$127,837 58 
626,772 55 

$754,610 13 
120,485 69 

$634,124 44 
93,192 20 



sources, . 



$540,932 24 

2,704 67 

20,042 13 

6,394 67 



Gross cash income, 



$570,073 71 



citizens' INSURANCE CO. 



171 



Expenditures. 

Cash paid for fire losses, . . . ... $321,084 40 

Deduct salvage and reinsurance, . . . 43,373 58 

Net casli paid for fire losses, .... 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest on borrowed money, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 
Borrowed money repaid, $30,000 00 

Gross cash expenditures, 



$277,710 82 

24,205 90 

40,000 00 

1,660 37 

114,166 21 

46,904 73 

8,774 62 

39,686 46 



$553,109 11 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 



Risks and Premiums. 

Premiums. 

$77,133,783 00 $600,866 07 
72,776,467 00 626,772 55 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$149,910,250 00 $1,227,638 62 
73,559,874 00 614,775 46 



$76,350,376 00 $612,863 16 
4,273,825 00 32,964 19 



$72,076,551 00 $579,898 97 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, , 

Cash dividends declared from organization of company, 

Dividends declared during the year, .... 

Company's stock owned by directors, . . . 



$14,872,890 00 
7,948,258 00 
292,140 00 
1,974,462 00 
23,884 35 
99,770 00 



"CITIZENS' INSURANCE COMPANY OF MISSOURI," 
ST. LOUIS, MO. 

[Incorporated Feb. 2, 1837. Commenced business 1837.] 

Paid-up Capital, $200,000. 

J. B. M. KEHLOR, President. SOL. E. WAGGONER, Secretary. 

Detailed Statement of Stocks and Bonds. 



Venice Elevator Company bonds, 
City of Waco, Texas, bonds, . 
Advance Elevator Company bonds, . 



Par Value. 

$32,000 00 
36,000 00 
10,000 00 



Market Value. 

$30,400 00 

36,720 00 

9,500 00 



172 



CITIZENS' INSUKANCE CO. 



American Exchange Bank stock, 
Phillips County, Ark., bonds, . 
City of Marshall, 111 , bonds, . 
St. Louis United Elevator Co. bonds 
Henry County, Mo, bonds, 
Greene County, Mo., bonds, 
Jacksonville, 111., city bonds, . 
Cass Ave. Fair Ground R'y bonds, 
Dade County, Mo., bonds, 
Lime Co., Mo., school bonds, . 
People's Railway Co , St. Louis, 
Andrew County, Mo., bonds, . 



Par Value. 

}2 1,000 00 

10,000 00 

3,600 00 

84,000 00 

60,000 00 

13,000 00 

13,000 00 

25,000 00 

10,000 00 

7,000 00 

5,000 00 

4,000 00 



Market Value. 

$34,440 00 

10,200 00 

3,600 00 

79,800 00 

60,000 00 

13,260 00 

13,000 00 

24,875 00 

10,100 00 

7,000 00 

5,000 00 

4,000 00 



$333,600 00 $341,895 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 



st liens*), 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in banks, . 
Interest due and accrued, . 
Premiums in course of collection (gross) , 
Gross assets, 



$1,000 00 

214,250 00 

3,584 80 

341,895 00 

1,318 81 

25,542 64 

6,568 12 

35,311 21 



$629,470 58 



Liabilities. 



Losses adjusted, unpaid, . . . 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 



Surplus over capital, 



$550 72 

16,366 45 

1,350 00 

139,530 70 

8,637 5L 

2,456 88 



168,892 26 



. $460,578 32 
200,000 00 



. $260,578 32 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$277,980 00 
226,920 00 
189,100 00 



CITIZENS INSURANCE CO. 



173 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, ...... 

Premiums now in course of collection, . 
Net cash fire premiums received, 
Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 
Net cash marine premiums received, 
Received for interest on mortgages, 
Received from all other sources, 

Gross cash income, .... 



$17,080 79 
2:34,817 23 



$251,898 02 
35,266 53 

$75 00 
2,072 60 



!,147 60 

44 68 



$216,631 49 



2,102 92 
11,006 15 
18,290 00 



$248,030 56 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$65,291 89 
390 46 
12,000 00 
49,267 57 
12,316 88 
7,491 57 
13,720 30 



$160,478 67 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 

Marine risks written during 1895, . 
Deduct risks expired and terminated, 



Premiums. 

$10,807,102 0# $143,148 00 
18,267,404 00 234,817 23 



,074,506 00 $377,965 23 
8,106,334 00 110,475 57 



$20,968,172 00 $267,489 66 
522,440 00 5,135 Q6 



,445,732 00 $262,354 00 

$338,015 00 $2,072 60 
338,015 00 2,072 60 



174 



COMMERCE INSURANCE CO. 



Miscellaneous. 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, 



1,327,219 00 

74,063 00 

390 00 

797,798 00 

12,000 00 

171,000 00 



"COMMERCE INSURANCE COMPANY," ALBANY, N. Y. 

[Incorporated June 1, 1859. Commenced business June 1, 1859 ] 

Paid-up Capital, $200,000. 

GARRET A. VAN ALLEN", President. E. DARWIN JENISON, Secretary. 



Detailed Statement of Stocks 



150 shares N 1 ! Commercial B'k, Albany, N. Y. 
150 

72 
45 
50 
50 
25 
300 
5 



First Natl Bank, Albany, N. Y., 
Nat'l Exchange B'k, Albany, N. Y. 
Albany City Natl Bank, Albany, 
National Bank, Cohoes, N. Y., 
South End Bank, Albany, N. Y., 
Holland Trust Co., New York, 
Rensselaer. & Saratoga Railroad, 
Underwriters' Salvage Co , N. Y., 



Thomson Pulp and Paper Company bonds, 



Securities held as collateral for cash loans : - 

43 shares First Nat'l Bank, Albany, N. Y., 
Thomson Pulp and Paper Company bonds, 
5 shares iEtna Insurance Co., Hartford, Conn., 
35 shares Natlbnal Bank of Cohoes, N. Y., 



and Bonds. 

Par Value. 

$15,000 00 

15,000 00 

7,200 00 

4,500 00 

5,000 00 

5,000 00 

2,500 00 

30,000 00 

500 00 

10,000 00 



Market Value. 

f49,500 00 

21,750 00 

8,280 00 

4,050 00 

7,000 00 

3,750 00 

2,500 00 

54,000 00 

500 00 

10,000 00 



$94,700 00 $164,330 00 



Market Value. Loaned Thereon. 



|7,095 00 
6,000 00 
1,250 00 
4,900 00 



|4,000 00 

5,000 00 

350 00 

1,500 00 



,245 00 f 10,850 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 



$75,000 00 
76,300 00 

164,330 00 

10,850 00 

1,629 02 



* Value of lands mortgaged, 

Value of buildings thereon, . . . 
Amount of insurance held as collateral, 



$64,300 00 

124,000 00 

81,300 00 



COMMERCE INSURANCE CO. 



175 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, 



$34,815 94 

800 00 

9,26G 70 

594 62 



§373,586 28 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks 
State and local t^,xes, . . . 
Commissions and brokerage, . 
Reinsurance disallowed, . 
Return premiums and reinsurance, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



Income 



Fire premiums outstanding Dec. 31, 1894 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 



$8,440 00 

2,380 00 

95,913 35 

84 04 

1,582 86 

2,872 28 

547 30 



$8,336 91 
163,125 69 

$171,462 60 
9,266 70 

$162,195 90 
19,427 72 



Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 



111,819 83 



$261,766 45 
200,000 00 



>1,766 45 



Gross cash income, 



$142,768 18 
3,396 67 
8,680 25 
5,156 66 

$160,001 76 



Expenditures. 

Cash paid for fire losses, . . . 

Deduct salvage and reinsurance, , . . , 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . • 

Gross cash expenditures, . . . . 



,619 24 
2,407 10 



,212 14 

12,000 00 

27,808 72 

11,653 97 

7,768 62 

8,524 61 



$146,968 06 



176 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



IJire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

. $16,804,204 00 $187,043 65 
. 14,609,868 00 163,125 69 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



.$31,414,072 00 $350,169 34 
. 13,501,363 00 154,644 56 



. fl7,912,709 00 $195,524 78 
650,463 00 6,125 46 



.$17,262,246 00 $189,399 32 



Miscellaneous. 



Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



15,207,954 00 

3,388,962 00 

73,050 00 

840,000 00 

12,000 00 

57,500 00 



"THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF 

NEW YORK;' N. Y. 

[Incorporated Oct. 30, 1890. Commenced business April 1, 1891 ] 

Paid-up Capital, $200,000. 

CHARLES SEWALL, President. A. H. WRAY, Secretary. 

Summary of Assets Dec 

New York City Armory bonds, . , 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



J. 31, 1895. 




. ^203,000 00 




78 00 




11,667 48 




1,009 31 




5,217 04 






$220,971 83 


f 12 65 


8,637 54 




680 17 


Q 330 2fi 



$211,641 47 
200,000 00 



Surplus over capital, $11,641 47 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



177 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, 



$12 19 
19,612 84 



$19,625 
5,217 


03 
04 


$14,407 
1,578 


99 
98 



Gross cash income, 



$12,829 01 
6,026 68 

$18,855 69 



Expenditures. 

Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for State and local taxes, . 

for incidentals, .... 



$2,461 71 
1,194 94 



Gross cash expenditures, 



$1,266 77 

6,000 00 

1,909 30 

809 75 

137 87 

$10,123 69 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



$10,000 00 
2,198,786 00 



Total, $2,208,786 00 

Deduct risks expired and terminated, . . 353,652 00 



In force at end of year, 



Premiums. 

$18 42 
19,612 84 

519,631 26 
2,455 22 



$1,855,134 00 $17,176 04 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent.), . 
Company's stock owned by directors, .... 



$105,192 00 
81,262 00 
1,279 00 
9,000 00 
6,000 00 
7,500 00 



178 



THE COMMONWEALTH INSURANCE CO. 



"THE COMMONWEALTH INSURANCE COMPANY OF 
NEW YORK," N. Y. 

[Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886.] 

Paid-up Capital, $500,000. 

CHARLES S. BARTOW, President. E. J. PERRIN, Secretary pro tern. 

Detailed Statement of Stocks and Bonds. 



United States bonds, 

New York city stock, .... 
District of Columbia bonds, 
200 shares American Telegraph & Cable Co, 
125 " American Suretj 7 Co., . 
1,000 " Brooklyn City R.R. Co., 
200 " Central R.R. Co. of New Jersey, 
100 " Chicago & Alton R.R. Co., . 
100 " C, C, C. & St. Louis R.R., . 
100 " Chic, Mil. & St. Paul R'y, . 
300 " Chicago & Northwestern R'y, 
100 " Chic, St. Paul, Minn: & Om'ha Ry. 
200 " Delaware & Hudson Canal Co., 
117 " Edison Electric 111. Co., Brooklyn 
200 " Edison Electric 111. Co., New York 
200 " Illinois Central Railroad Co., 
200 " Manhattan Railway Co., 
100 " Lake Shore & Mich. South'n R.R. 
100 " Toledo & Ohio Central Railway, 
220 " Western Union Telegraph Co., 
50 " Merchants' National Bank, N. Y 
25 " National B'k of Commerce, N.Y. 
13 " Bank of America, New York, 
50 " Central National B'k, New York 
50 " Bowery Bank of New York, 
50 " German Americ'n B'k, New York 
50 " New York Produce Exchange B'k 
200 " N. Y. Cent. & Hudson River R.R. 
50 " Corn Exchange Bank, . 
17 " Manhattan Company Bank, . 
50 " National Park Bank of New York 
Missouri, Kansas & Texas R'y bonds, 

American Cotton Oil Co. bonds, 



Par Value. 

$40,000 00 

125,000 00 

30,000 00 

20,000 00 

6,250 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

30,000 00 

10,000 00 

20,000 00 

11,700 00 

20,000 00 

20,000 00 

20,000 00 

10,000 00 

10,000 00 

22,000 00 

2,500 00 

2,500 00 

1,300 00 

5,000 00 

5,000 00 

3,750 00 

5,000 00 

20,000 00 

5,000 00 

850 00 

5,000 00 

10,000 00 

19,000 00 



Market Value. 

$45,400 00 

125,937 50 

30,000 00 

18,600 00 

13,562 50 

16,900 00 

19,950 00 

16,000 00 

9,100 00 

12,700 00 

34,500 00 

12,000 00 

25,000 00 

12,606 75 

18,800 00 

18,650 00 

20,550 00 

14,100 00 

7,200 00 

18,865 00 

3,375 00 

5,200 00 

4,290 00 

5,900 00 

14,250 00 

4,387 50 

6,200 00 

19,500 00 

14,750 00 

1,674 50 

13,800 00 

8,400 00 

20,900 00 



$539,850 00 $613,048 75 



THE COMMONWEALTH INSURANCE CO. 



179 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens *), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



$94,500 00 

1,379 44 

613,048 75 

653 46 

43,772 10 

6,524 49 

25,683 87 



$785,562 11 



Liabilities. 

Losses in process of adjustment, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage, . 
Return premiums, .... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$19,664 44 

98,635 09 

1,200 00 

1,863 01 

1,032 08 

249 12 



122,643 74 



$662,918 37 
500,000 00 



,918 37 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $28,754 49 
Premiums on risks written or renewed, . . 226,544 10 

Total, . . $255,298 59 

Premiums now in course of collection, . . 25,683 87 

Entire premiums collected, .... $229,614 72 
Less reinsurance and return premiums, . . 37,569 81 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Gross cash income, . . . . . 



$192,044 91 

4,259 85 

27,587 24 

$223,892 00 



Expenditures. 
Cash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash dividends paid, .... 



,730 24 
544 63 



$67,185 61 
30,000 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$80,000 00 
78,000 00 
85,000 00 



180 



THE CONCORDIA FIRE INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



,027 13 

21,057 45 

5,510 75 

13,202 07 

$154,983 01 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



Risks and Premiums. 

Premiums. 

. $17,056,550 00 $189,151 86 
. 24,472,508 00 226,544 10 



$41,529,058 00 $415,695 96 
22,064,046 00 219,035 51 



$19,465,012 00 $196,660 45 
261,540 00 2,278 83 



.f 19,203,472 00 $194,381 62 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



H ,8 11, 565 00 

1,074,471 00 

72,467 00 

126,000 00 

30,000 00 

113,500 00 



" THE CONCORDIA FIRE INSURANCE COMPANY OF 
MILWAUKEE," MILWAUKEE, WIS. 

[Incorporated March 7, 1870. Commenced business March 22, 1870.] 

Paid-up Capital, $200,000. 

J. H. INBUSCH, President. GUSTAV WOLLAEGER, Secretary. 



Detailed Statement of Stocks and Bonds. 



Chicago, 111 , sewerage bonds, . 

Cincinnati sinking fund bond, . 

Washington Co., 111., bonds, 

Lincoln, Neb , school bonds, 

State of Montana Agricultural College bond, 



Par Value. 

$25,000 00 
40,000 00 
15,000 00 
25,000 00 
25,000 00 



Market Value. 

$25,500 00 
42,400 00 
15,450 00 
25,750 00 
26,500 00 



$130,000 00 |135,600 00 



THE CONCORDIA FIRE INSURANCE CO. 



181 



Summary op Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule. 
Cash in the office of the company, 
Cash deposited in banks, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$517,905 00 

6,438 19 

135,600 00 

1,168 04 

33,443 48 

1,658 33 

58,123 79 



$754,336 83 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, f .... 



Surplus over capital, . 



$7,466 49 
12,016 52 
12,830 75 
381,566 75 
14,433 86 



428,314 37 



. $326,022 46 
200,000 00 



. $126,022 46 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $55,015 90 
Premiums on risks written or renewed, . . 573,976 84 



Total, . $628,992 74 

Premiums now in course of collection, . . 58,123 79 



Entire premiums collected, .... $570,868 95 

Less reinsurance and return premiums, . . 128,324 37 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, . . 



$442,544 58 

29,151 86 

3,663 37 



$475,359 81 



Expenditures. 



Cash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 



$244,750 20 
23,724 61 



$221,025 59 



* Value of lands mortgaged, . . . . . $803,950 00 

Value of buildings thereon 672,450 00 

Amount of insurance held as collateral, . . . 341,875 00 



182 



CONNECTICUT FIRE INSURANCE CO. 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$ 16,000 00 
103,018 36 

28,650 00 
9,971 84 

46,360 69 

$425,026 48 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

.$64,736,475 00 $800,945 58 
. 43,855,988 00 573,976 84 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . 



1108,592,463 00 $1,374,922 42 
. 41,614,984 00 534,969 53 



,977,479 00 $839,952 89 
5,862,315 00 75,966 40 



11,115,164 00 $763,986 49 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$4,846,815 00 

2,676,038 00 

209,029 00 

211,667 00 

16,000 00 

148,700 00 



"CONNECTICUT FIRE INSURANCE COMPANY," HARTFORD, 

CONN. 

[Incorporated June, 1850. Commenced business July, 1850.] 
Paid-up Capital, $1,000,000. 
J. D. BROWNE, President. CHARLES R. BURT, Secretary. 



Detailed Statement of Stocks and Bonds. 



Dominion of Canada bonds, 
State of Georgia bonds, . 
State of South Dakota bonds, . 
Territory of Arizona bonds, 
City of Astoria, Oregon, bonds, 
City of Dallas, Texas, bonds, . 
City of Fargo bonds, 
City of Middletown bonds, 
City of New Britain bonds, 
City of Pawtucket, R. I., bonds, 



Par Value. 

$100,000 00 
25,000 00 
40,000 00 
25,000 00 
12,000 00 
12,000 00 
14,000 00 
10,000 00 
10,000 00 
30,000 00 



Market Value. 

$105,000 00 
28,750 00 
40,920 00 
26,000 00 
12,840 00 
12,000 00 
15,300 00 
10,600 00 
10,500 00 
30,525 00 



CONNECTICUT FIRE INSURANCE CO. 



183 



City of Portland, Oregon, bonds, 
City of Richmond, Va., bonds, . 
City of Salem, Oregon, bonds, . 
City of Salt Lake, Utah, bonds, 
City of Seattle, Washington, bonds, 
City of Urbana, Ohio, bonds, . 
Hennepin and Minneapolis city bonds, 
Helena, Montana, sewerage bonds, . 
Mankato, Minn., Board of Education bonds, 
School Dist. No. 2, Arapahoe Co., Colo., bonds, 
School Dist. No. 11, El Paso Co., Colo., bonds, 
School Dist. No. 24, Marion Co., Ore., bonds, 
Wayne County, Michigan, bonds, . 
Black Rocks & Salisbury Beach St R.R. bonds, 
Broadway & Seventh Ave. R.R. bonds, 
C, B. & Q. R.R. Co. bonds, . 
Chicago & Western Indiana R.R. bonds, 
Chicago & Northwestern R.R. bonds, 
Cleve., Cin., Chic. & St. L. R.R. bonds, 
Cleveland Electric Railway Co. bonds, 
Cin., D. & Ironton R.R. bonds, . 
Cin., Hamilton & Dayton R.R. Co. bonds, 
Cleveland & Mahoning Valley R.R. bonds, 
Dayton & Michigan R.R. bonds, 
Indiana, Illinois & Iowa R.R. bonds, 
Lynn & Boston Railway Co. bonds, . 
Fitchburg R.R. bonds, .... 
G. Rapids, L. & D. R.R. Co. bonds, . 
Housatonic R.R. Co. bonds, 
Manitou & Pike's Peak Railway Co. bonds, 
N. Y., N. H. & H. R.R. Co. certs., . 
Quincy, Alton & St. Louis R R. bonds, . 
Saginaw & Western R.R. Co. bonds, 
Toledo & Ohio Central R.R. Co. bonds, . 
Waterbury, Conn., Traction Co. bonds, . 
West Chicago St. R.R. Co. bonds, . 
West Chicago St. R.R. Tunnel Co. bonds, 
Northwestern Telegraph Company bonds, 
Brooklyn Wharf & Warehouse Co. bonds, 
Minneapolis Gas Light Co. bonds, . 
Central Safety Deposit Co., Chicago, bonds, 
Traders 1 Safe and Trust Co., Chicago, bonds, 
150 shares Bald Eagle Valley R.R., . 
142 " Boston & Albany R.R., . 
740 " Chic, Buf . & Quincy R R., . 
150 " Chicago & N. W. R.R., . 
220 " Chic, Rock Island & Pacific R.R., 
300 " N. Y. Cent. & Hudson River R.R., 



Par Value. 

$25,000 00 
50,000 00 
11,000 00 
50,000 00 
25,000 00 
15,000 00 
25,000 00 
17,000 00 
15,000 00 
25,000 00 
15,000 00 
13,000 00 
25,000 00 
10,000 00 
20,000 00 
25,900 00 
15,000 00 

4,000 00 
10,000 00 
20,000 00 
15,000 00 
25,000 00 
10,000 00 
25,000 00 
23,000 00 
10,000 00 
20,000 00 

3,000 00 
30,000 00 
10,000 00 
55,000 00 
49,000 00 

2,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
75,000 00 
25,000 00 
25,000 00 
10,000 00 

7,500 00 
14,200 00 
74,000 00 
15,000 00 
22,000 00 
30,000 00 



Market Value. 

$28,125 00 
50,000 00 
11,990 00 
51,500 00 
25,250 00 
15,000 00 
27,500 00 
17,595 00 
15,000 00 
26,000 00 
15,150 00 
14,170 00 
25,750 00 

9,500 00 
21,400 00 
26,310 00 
17,400 00 

4,320 00 

9,000 00 
20,400 00 
15,750 00 
26,250 00 
11,500 00 
26,250 00 
19,780 00 
10,200 00 
21,200 00 

1,500 00 
30,000 00 

9,750 00 
68,250 00 
49,000 00 

1,000 00 
15,900 00 
10,000 00 
10,000 00 
10,175 00 
16,875 00 
76,875 00 
26,250 00 
25,000 00 
10,000 00 
15,000 00 
29,110 00 
56,240 00 
14,700 00 
14,520 00 
29,100 00 



184 



CONNECTICUT FIRE INSURANCE CO. 



375 shares 


300 


u 


200 


(C 


600 


M 


167 


(l 


100 


(C 


11 


ec 


100 


it 


93 


(C 


125 


(C 


185 


u 


300 


a 


100 


« 


412 


(C 


150 


tc 


45 


u 



N. Y., N. H. & H. R.R., . 
Pitts., F. W. & Chicago R.R., . 
Empire & B. S. Telegraph Co., 
Northwestern Telegraph Co., . 
First Nat'l Bank, Minneapolis, 
Imp. & Traders' Nat'l B'k, N. Y., 
Second National B'k, New Haven, 
iEtna National Bank, Hartford, 
Charter Oak Nat'l Bank, Hartford 
Farm. & Mech. Nat'l B'k, Hartford 
First National Bank, Hartford, 
Hartford National Bank, Hartford 
Mercantile National B'k, Hartford 
National Exchange Bank, Hartford 
Phoenix National Bank, Hartford, 
Conn. Trust & S. D. Co , Hartford 



Par Value. 

$37,500 00 
30,000 00 
20,000 00 
30,000 00 
16,700 00 
10,000 00 

1,100 00 
10,000 00 

9,300 00 
12,500 00 
18,500 00 
30,000 00 
10,000 00 
20,600 00 
15,000 00 

4,500 00 



Market Value. 

$67,500 00 
48,000 00 
14,800 00 
33,000 00 
14,195 00 
52,500 00 

1,870 00 
14,000 00 

8,370 00 
13,750 00 
19,980 00 
42,000 00 

7,500 00 
24,720 00 
17,250 00 

7,200 00 



$1,604,300 00 $1,760,605 00 



Securities held as collateral for cash loans : — 

North Chicago Street Railway Co. stock, 
Cleveland, Lorain & Wheeling R.R. Co. stock, 
Northwestern Yeast Co. stock, 



Market Value. Loaned Thereon. 



$7,500 00 
6,000 00 
3,570 00 



$4,000 00 
5,500 00 
3,000 00 



$17,070 00 $12,500 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $3,023,681 53 



$146,525 00 

854,750 00 

1,760,605 00 

12,500 00 

1,106 74 

162,696 46 

268,259 53 

1,488 80 



1,207,931 53 
184,250 00 



Liabilities 



Losses claimed and reported, 
Losses disputed or resisted, . 

Total amount of losses, 
Less reinsurance, . 

Net amount of unpaid losses, 



$224,096 92 
33,984 96 

$258,081 88 
13 t 296 33 



$244,785 55 



* Value of lands mortgaged $1,268,175 00 

Value of buildings thereon 1,196,600 00 

Amount of insurance held as collateral, . . . 882,900 00 



CONNECTICUT FIRE INSURANCE CO. 



185 



Unearned premiums on outstanding risks, . $1,375,050 28 

Due and accrued for rent, salaries, etc, . 26,077 48 

State and local taxes, 6,565 66 

Commissions and brokerage, . . . 27,380 26 

Due for reinsurance, 22,459 06 

Reinsurance disallowed, .... 33,694 66 

Gross liabilities, except capital, . . $1,736,012 95 

Deduct liability on special deposits, . . 74,316 00 



Surplus as regards policy-holders, 
Paid-up capital, .... 



Surplus over capital, 



$1,661,696 95 

$1,361,984 58 
1,000,000 00 

$361,984 58 



Income. 



Fire premiums outstanding Dec. 31, 1894, . $249,248 83 
Premiums on risks written or renewed, . . 2,046,393 40 

Total, . $2,295,642 23 

Premiums now in course of collection, . . 268,259 53 

Entire premiums collected, .... $2,027,382 70 
Less reinsurance and return premiums, . . 283,247 26 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



Gross cash income, 



,744,135 44 
50,410 35 
74,590 52 

. $1,869,136 31 



Expenditures. 



Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



,436 12 
31,449 40 



$936,986 72 

100,000 00 

311,373 31 

137,642 73 

38,407 75 

136,755 55 



Gross cash expenditures, 



$1,661,166 06 



186 



CONTINENTAL INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

$193,632,484 00 $2,531,127 07 
157,329,883 00 2,046,393 40 



$350,962,367 00 $4,577,520 47 
140,175,724 00 1,872,135 54 



$210,786,643 00 $2,705,384 93 
5,705,450 00 74,741 48 



$205,081,193 00 $2,630,643 45 



Miscellaneous. 

Premiums received from reorganization of company, . 
Losses paid from reorganization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from reorganization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



,167,336 00 

11,479,463 00 

993,837 00 

2,005,000 00 

100,000 00 

71,600 00 



" CONTINENTAL INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated November, 1852. Commenced business January, 1853.] 

Paid-up Capital, $1,000,000. 

F. C. MOORE, President. EDWARD LANNING, Secretary. 



Detailed Statement of Stocks and Bonds. 



250 shares American Exchange Nat'l Bank, 

50 " Bank of America, . 

50 " Bowery Bank, 

1,200 " Mechanics' National Bank, 

250 " Mercantile National Bank, 

350 " Merchants' National Bank, 

100 " Nassau Bank, 

382 " Phenix National Bank, 

200 " Central Trust Company, 

1,100 " Chicago, Burl. & Quincy R.R., 

500 " Chicago, Mil. & St. Paul Railway, 



Par Value. 

$25,000 00 

5,000 00 

5,000 00 

30,000 00 

25,000 00 

17,500 00 

5,000 00 

7,640 00 

20,000 00 

110,000 00 

50,000 00 



Market Value. 

$42,500 00 
16,250 00 
13,750 00 
55,500 00 
43,750 00 
22,750 00 
7,250 00 
8,404 00 

200,000 00 
82,500 00 
62,500 00 



CONTINENTAL INSURANCE CO. 



187 



1,000 shares Chicago & Northwestern Railway 
1,000 " Chicago, Rock Island & Pacific R'y 
1,000 " Chi , St Paul, Minn. & Omaha R'y 
1,000 " Clev., Cin., Chic. & St. Louis R.R 

500 " Lake Shore & Mich. Southern R'y 
2,844 " New York & Harlem Railroad, 

500 " N.Y., New Haven & Hartf'd R.R, 
1,000 " Pennsylvania Railroad Company 
6,000 " Brooklyn City R.R. Co., 

200 " Delaware & Hudson Canal Co., 
5,000 " Pitts., McKees.&Youghiogh'yR.R 

500 " Rori^Watert'n&Ogdensb'gR.R 

500 " St. Paul & Duluth Railroad, 
1,000 " St. Paul, Minn. & Manitoba R'way 
1,200 " United N. J. R R. & Canal Co., 

500 " Consolidated Gas Co. of N. Y., . 
Atlantic & Gulf Railroad bonds, 
Cedar Rapids, la. Falls & Northw'n R.R. bonds 
Chicago, Burl. & Quincy Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Chicago & Northwestern Sinking Fund bonds 
Chicago, Rock Island & Pacific R.R. bonds, 
Chicago, St. Paul, Minn. & Omaha R'y bonds 
Columbia & Greenville Railroad bonds, . 
Elmira, Courtland & Northern R.R. bonds, 
Erie Railway Company bonds, 
Georgia, Carolina & Northern Railway bonds 
Grand Rapids, Lansing & Detroit R.R. bonds, 
Indiana, Bloomington & Western R.R. bonds, 
Kentucky Central Railway Company bonds, 
Midland Railroad Co. of New Jersey bonds, 
Milwaukee, Lake Shore & Western R.R. bonds 
Morris & Essex Railroad bonds, 
New York Cen & Hudson River R.R. bonds, 
New York, Lackawanna & Western R'y bonds 
N. Y., New Haven & Hartford R.R. bonds, 
Raleigh & Augusta Air Line Railroad bonds 
Richmond & Danville Railroad bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
Western Union Telegraph Company bonds, 
Portland, Oregon, water bonds, 
Richmond, Virginia, bonds, 
Alabama bonds,. 
Georgia bonds, . 
United States bonds, 
New York city bonds, 



Par Value. 

#100,000 00. 

100,000 00 

100,000 00 

100,000 00 

50,000 00 

142,200 00 

50,000 00 

50,000 00 

60,000 00 

20,000 00 

250,000 00 

50,000 00 

50,000 00 

100,000 00 

120,000 00 

50,000 00 

47,000 00 

50,000 00 

10,000 00 

50,000 00 

49,000 00 

100,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

25,000 00 

50,000 00 

135,000 00 

50,000 00 

50,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

20,000 00 

50,000 00 

50,000 00 

100,000 00 

103,000 00 

50,000 00 

50,000 00 

10,000 00 

25,000 00 

550,000 00 

10,000 00 



Market Value. 

$143,000 00 
65,000 00 

110,000 00 
85,000 00 
70,000 00 

383,940 00 
90,000 00 
50,000 00 
99,000 00 
24,400 00 

312,500 00 
57,500 00 
42,500 00 

110,000 00 

282,000 00 
72,500 00 
47,000 00 
50,000 00 
11,600 00 
56,500 00 
53,900 00 

100,000 00 

124,000 00 
52,500 00 
52,500 00 
67,500 00 
19,500 00 
25,000 00 

148,500 00 
42,500 00 
57,500 00 

127,000 00 
70,000 00 
53,500 00 
62,500 00 
27,000 00 
55,000 00 
58,000 00 

118,000 00 

108,150 00 
55,000 00 
50,000 00 
10,000 00 
27,500 00 
587,850 00 

10,000 00 



5,826,340 00 $4,880,494 00 



188 



CONTINENTAL INSURANCE CO. 



Summary of Assets Dec. 31, 1895.* 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liensf) 

Interest accrued thereon, .... 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in banks, . 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Rents due and accrued, .... 

Premiums more than three mos. due, $263,701 64 

Gross assets, J 

Deduct special deposits in other States, . 



Balance, $7,084,328 25 



! 1,082,430 19 

107,560 00 

2,168 25 

4,880,494 00 

20,702 60 

501,585 06 

75,401 15 

350,737 19 

191,665 24 

4,084 57 



',216,828 25 
132,500 oa 



Liabilities. 

Losses claimed and reported, 
Losses disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Contingent reserve, .... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special .deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$332,504 47 
38,757 00 

$371,261 47 
4,547 83 



1,713 64 

3,521,726 96 

29,165 00 

6,139 02 

38 50 

10,000 00 

107,237 00 

150,000 00 

1,502 69 

|4,192,522 81 
79,605 70 



4,112,917 11 

. $2,971,411 14 

. 1,000,000 00 

. $1,971,411 14 



* The company holds, also, instalment premium notes to the amount of $1,433,462 52, which do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre- 
miums." 

f Value of lands mortgaged, $136,650 00 

Value of buildings thereon, 159,450 00 

Amount of insurance held as collateral, .... 128,925 00 

X Including $600,000 special reserve fund held under New York law. 



CONTINENTAL INSURANCE CO. 



189 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, .... 

Gross cash income, 



f610,294 94 
20,833 37 

$589,461 57 
3,816,309 10 

$4,405,770 67 
542,402 43 

$3,863,368 24 
441,883 76 



53,421,484 48 

6,044 96 

273,107 53 

40,107 62 

p3,740,744 59 



Expenditures. 

Cash paid for fire losses, f 1,745, 899 89 

Deduct salvage and reinsurance, . . . 16,311 95 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for redemption of scrip, . 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



,729,587 94 

101,201 12 

153,961 50 

180 00 

7 70 

671,646 76 

296,656 85 

65,255 12 

213,604 12 

5,232,101 11 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$631,962,261 00 $6,533,176 93 
448,573,640 00 3,816,309 10 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



$1,080,535,901 00$ 10,349,486 03 
413,337,601 00 3,469,116 07 



$667,198,300 00 $6,880,369 96 
4,903,456 00 44,135 13 



Net amount in force, . 



$662,294,844 00 $6,836,234 83 



190 



THE DELAWARE INSURANCE CO, 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year, 

Company^ stock owned by directors, 



f 6 1,833,598 00 

34,536,782 00 

1,761,415 00 

5,492,357 00 

154,000 00 

174,900 00 



» THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 10, 1835. Commenced business Aug. 6, 1835 ] 

Paid-up Capital, $702,875. 

TATTNALL PAULDING, President. HENRY LYLBURN, Secretary. 



Detailed Statement of Stocks 



Philadelphia city bonds, . 

Lehigh Valley Railroad bonds, 

American Steamship Company bonds, 

Newark, N. J., city bonds, 

Camden, N. J., city bonds, 

Springfield, 111., city bonds, 

Philadelphia & Reading Railroad bonds, 

Allentown Terminal Railroad bonds, 

Lehigh Valley Railroad bonds, 

Pennsylvania & New York Canal Co. bonds, 

Philadelphia, Wil. & Bait. R.R. certificates, 

Tennessee State bonds, .... 

Philadelphia & Reading Railroad car trust, 

Pennsylvania Railroad stock, . 

Pitts., Youngstown & Ashtabula R.R. bonds, 

Baltimore Belt Railroad bonds, 

Northern Pacific Railroad bonds, 

St. Louis Merchants 1 Bridge Terminal Co., 

Delano Land Company bonds, . 

Philadelphia Bourse stock, 

Mortgage Trust Company, Pennsylvania, 

Georgia State bonds, 

Richmond (Va.) city bonds, 

Wilmington & Northern Railroad bonds, 

Underwriters 1 Salvage Company of N. Y., 

Brooklyn Wharf & Warehouse Co. bonds, 



and Bonds. 

Par Value. 

$81,000 00 
25,000 00 
40,000 00 
75,000 00 
30,000 00 
25,000 00 

100,000 00 
50,000 00 

100,000 00 
50,000 00 
30,000 00 
31,300 00 
40,000 00 
25,000 00 
40,000 00 
40,000 00 
1,000 00 
25,000 00 
30,000 00 
1,000 00 
15,000 00 
25,000 00 
37,000 00 
25,000 00 
500 00 
20,000 00 



Market Value. 

$97,670 00- 
26,125 00 
41,000 00 
75,750 00 
30,600 00 
26,500 00 
99,000 00 
50,000 00 

102,000 00 
46,750 00 
31,200 00 
27,544 00 
40,000 00 
26,000 00 
44,000 00 
40,400 00 
1,010 00 
25,625 00 
30,900 00 
800 00 
15,000 00 
25,625 00 
37,000 00 
25,750 00 
500 00 
20,500 00 



1,800 00 $987,249 00 



; 



THE DELAWARE INSURANCE CO. 



191 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 
Reinsurance, etc., ..... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $1,450,965 08 



$160,000 00 

112,200 00 

1,310 68 

987,249 00 

66 30 

69,672 59 

166,514 10 

2,867 26 

620 84 

13,089 31 



.,513,590 08 
62,625 00 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$1,895 00 

43,150 00 

8,500 00 

491,834 91 

81,602 34 

97 00 

14,237 46 

9,409 33 

,726 04 
32,595 17 



618,130 87 



Surplus over capital, 



,834 21 
702,875 00 

. $129,959 21 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash premiums received, . 



$143,246 84 

937,969 32 

1,081,216 16 

165,965 66 

$915,250 50 

229,590 06 



,660 44 



* Value of lands mortgaged, 
Value of buildiDgs thereon, 
Amount of insurance held as collateral, 



$161,000 00 
82,500 00 
71,500 00 



192 



THE DELAWARE INSURANCE CO. 



Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from perpetual deposits, 

Deposits received for perpetual fire risks, 

Gross cash income, . 



$,191 22 
118,971 20 

§167,162 42 
3,415 70 

,746 72 
37,402 40 



sources, 



\746 22 



$126,344 32 

6,240 08 

48,422 93 

7,998 61 

3,170 46 



$877,836 84 



• Expenditures. 

Cash paid for fire losses, $392,053 81 

Deduct salvage and reinsurance, . . . 27,028 85 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $183,184 92 
Deduct salvage and reinsurance, . . . 25,266 16 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for redemption of scrip, . 
Interest paid scrip-holders, .... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Deposits returned on perpetual fire risks, . $4,816 60 

Gross cash expenditures, ....... 



$365,024 96 



157,918 76 

42,172 50 

95 00 

16 20 

158,413 44 

74,595 25 

30,075 63 

77,955 96 



$906,267 70 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, . . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 
Perpetual risks in force (not included 
above), 



$74,241,548 00 

77,118,473 00 

$151,360,021 00 

66,770,480 00 



,589,541 00 
8,824,140 00 



$75,765,401 00 
$3,324,700 00 



Premiums. 

$928,469 48 
937,969 32 

1,866,438 80 
826,672 86 

1,039,765 94 
120,866 88 

$918,899 06 
),897 19 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



193 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



$11,634,471 00 
17,517,107 00 

$29,151,578 00 
28,306,246 00 

$785,332 00 
785,332 00 



Premiums. 

$21,927 09 
118,971 20 

5140,898 29 
136,756 20 

$4,142 09 
4,142 09 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), 
Company's stock owned by directors, .... 



$30,476,607 00 

18,246,809 00 

314,676 00 

114,853 00 

2,529,073 00 

42,172 50 

60,900 00 



" THE DETROIT FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated Feb. 1, 1866. Commenced business March 14, 1866.] 

Paid-up Capital, $400,000. 

WILLIAM A. MOORE, President. C. L. ANDREWS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value . 

United States bonds, $40,000 00 $44,900 00 

Ft. Wayne & Belle Isle R.R. bonds, . . 28,000 00 28,325 00 

School Dist. bonds, Springwells, . . . 6,000 00 6,200 00 



Securities held as collateral for cash loans 

Mortgages assigned, .... 

People's Savings Bank stock, . 



$74,000 00 $79,425 00 



Market Value. Loaned Thereon. 

$4,200 00 $1,700 00 



3,800 00 



$8,000 00 
Summary of Assets Dec. 31, 1895. 



3,000 00 
?4,700 00 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 



1,875 53 
891,074 11 
30,739 65 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,271,791 00 

1,062,417 00 

645,932 00 



194 



THE DETKOIT FIRE AND MARINE INSURANCE CO. 



Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Reinsurance, etc., 

Premiums more than three mos. due, $6,132 65 
Gross assets, 



$79,425 00 
4,700 00 
3,562 71 
62,396 29 
1,818 21 
32,722 18 
2,434 17 
2,960 90 



,200,708 75 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 

State and local taxes 

Commissions and brokerage, . 

Return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$5,980 55 

6,967 10 

2,565 34 

167,876 26 

146 34 

5,154 14 

2,923 40 



191,613 13 



. $1,009,095 62 
400,000 00 



,095 62 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, . . . . . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash lire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all -other 

Income from rents, 

Gross cash income, .'■,.., 



$39,857 85 
272,295 62 

$312,153 47 
38,680 92 

$273,472 55 
48,922 16 

$5,213 19 
27,855 40 

$33,068 59 
2,608 08 

$30,460 51 
22,192 84 



sources, . 



$224,550 39 



8,267 67 

69,673 04 

9,022 99 

912 57 



$312,426 66 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



195 



Expenditures. 

Cash paid for fire losses, 

Cash paid for marine and inland losses, . 

Cash dividends paid, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Profit and loss, 

Gross cash expenditures, .... 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 



$28,160,648 00 
23,723,255 00 



$51,883,903 00 
23,678,468 00 



$116,463 29 
20,951 10 
40,000 00 
28,807 04 
22,568 96 
21,282 73 
22,374 74 
28,564 35 



$301,012 21 



Premiums. 

$339,285 61 
272,295. 62 



^611,581 23 
280,874 36 



128,205,435 00 $330,706 87 



$155,408 00 
1,825,218 00 



fl,980,626 00 
1,980,626 00 



$22,893 02 
27,855 40 



$50,748 42 
50,748 42 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, . 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



56,378,530 00 

3,257,882 00 

115,848 00 

5,131 00 

771,000 00 

40,000 00 

120,440 00 



"EQUITABLE FIRE AND MARINE INSURANCE COMPANY," 

PROVIDENCE, R. I. 

[Incorporated May, 1859. Commenced business September, I860.] 

Paid up Capital, $300,000. 

FRED. W. ARNOLD, President. JAMES E. TILLINOHAST, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

500 shares Old National Bank, Providence, . $50,000 00 $58,000 00 

;340 " Natl Bank of Commerce, Prov., . 17,000 00 15,300 00 

200 « American National Bank, Prov., . 10,000 00 9,000 00 

100 " Fourth National Bank, Providence, 10,000 00 12,200 00 



196 



EQUITABLE EIRE AND MARINE INSURANCE CO. 



100 shares First National Bank, Warren, 

18 " Third National Bank, Providence, 
200 " N. Y. Central and Hud. River R.R 
200 " Illinois Central Railroad, 
100 " Chic., Rock I. & Pacific Railroad, 
107 " Chic, Burl. & Quincy Railroad, 
100 " Michigan Central Railroad, . 
$0 " Rhode Island & Mass. Railroad, 
50 " Wells, Fargo & Company Express 
Union Pacific Railroad bonds, . 
New York Elevated Railroad bonds, 
Pawtuxet Valley Railroad bonds, 
Quincy, Alton & St. Louis Railroad bonds, 
Milwaukee City Railroad bonds, 
National Water Works bonds, . 
Chicago, Burlington & Quincy Railroad bonds, 



Par Value. 

^ 10,000 00 

1,800 00 

20,000 00 

20,000 00 

10,000 00 

10,700 00 

10,000 00 

5,000 00 

5,000 00 

25,000 00 

28,000 00 

22,000 00 

10,000 00 

5,000 00 

6,800 00 

3,000 00 



Market Value. 

$9,000 00 

1,530 00 

19,600 00 

18,700 00 

6,775 00 

8,239 00 

9,600 00 

5,000 00 

5,000 00 

26,022 50 

29,400 00 

24,420 00 

10,200 00 

5,250 00 

4,500 00 

3,225 00 



$279,300 00 $280,961 50 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three months due, $6 00 
Gross assets,f 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital,. 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$129,900 00 

125,500 00 

181 00 

280,961 50 

1,537 58 

33,682 42 

43,662 92 

1,218 00 



$2,703 00 

11,985 00 

2,940 00 

192,041 47 

546 12 

1,527 58 

2,718 70 

1,549 85 

94 70 



$616,643 42 



216,106 42 

$400,537 00 
300,000 00 



$100,537 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$136,300 00 
197,100 00 
142,050 00 



t Including $35,000 special reserve fund held under Rhode Island law. 



EQUITABLE FIRE AND MARINE INSURANCE CO. 



197 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Gross cash income, .... 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate, 



Gross cash expenditures, 



$30,296 93 
318,807 52 



$355,104 45 
43,559 46 


|3ll,544 
50,061 


99 

06 


$81 
1,508 


63 
95 


$ 1,590 
103 


58 
46 


$1,487 
137 


12 

75 



sources, 



$123,063 40 
3,113 36 

$212 49 
86 88 



$261,483 93 



1,319 37 

6,352 76 

13,527 97 

7,281 00 



$289,995 03 



$119,950 04 



125 61 

18,860 50 

49,961 27 

22,890 73 

9,480 16 

21,123 57 

2,753 93 

$245,145 81 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

,952,480 00 $366,807 77 
26,977,913 00 318,807 52 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



. $57,930,393 00 
. 24,473,523 00 



5,615 29 
297,921 25 



.$33,456,870 00 $387,694 04 
. 1,128,565 00 13,363 77 



.$32,328,305 00 $374,330 27 



198 



FARRAGUT FIRE INSURANCE CO. 



Marine risks outstanding Dec. 31, 1894, . 
Marine risks written during 1895, . 



$20,685 00 
205,615 00 



Total 

Deduct risks expired and terminated, 

In force at end of year, . 



$226,300 00 
183,963 00 



$42,337 00 



Premiums 

$427 71 
1,508 95 

$1,936 66 
1,138 51 

$798 15 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



£5.284,479 00 

3,433,333 00 

113,806 00 

49 00 

560,000 00 

18,f00 00 

70,000 00 



"FARRAGUT FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 29, 1872. Commenced business Jan. 30, 1872.] 

Paid up Capital, $200,000. 

JOHN E. LEFFINGWELL, President. SAMUEL DARBEE, Secretary. 



Detailed Statement of Stocks and Bonds. 



District of Columbia bonds, 

New York, Ontario & Western R.R. bonds, 

Fourth National Bank stock, 

New York Produce Exchange Bank stock, 

Clinton Bank stock, 

Long Island Loan and Trust Company, . 
Brooklyn Union Gas Co. bonds, 
Brooklyn Union Gas Co. stock, 



Securities held as collateral for cash loans : — 

Cleveland, Cin., Chic & St. Louis R R. stock, . 
Lake Shore & Mich. Southern R.R. stock, 
Stock Quotation Telegraph Co., 



Par Value. 

$105,000 00 

20,000 00 

10,000 00 

9,700 00 

6,000 00 

25,000 00 

1,000 00 

2,300 00 



Market Value. 

$119,175 00 

21,800 00 

18,000 00 

12,125 00 

6,000 00 

57,500 00 

1,050 00 

1,771 00 



$179,000 00 $237,421 00 



Market Value. Loaned Thereon. 



$450 00 I 
700 00 S 
9,000 00 



$900 00 
6,000 00 



$10,150 00 



1,900 00 



FARRAGUT FIRE INSURANCE CO. 



199 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Rents, reinsurance, etc., . 
Office furniture, .... $2,500 00 
Premiums more than three mos. due, 1,212 92 
Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Due for reinsurance, .... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, 

Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 



31, 1895. 

$6,000 00 

12,930 00 

223 03 

237,421 00 

6,900 00 

1,219 60 

21,425 27 

86 25 

25,851 08 

451 13 



$141 82 
11,734 42 

250 00 



$12,126 24 
1,141 82 



$10,984 42 

68,815 81 

250 00 

600 00 

2,510 71 

780 57 

3,600 95 



$24,696 60 

880 37 

$23,816 23 

177,884 23 



$201,700 46 
27,064 00 



$174,636 46 
33,645 81 



$312,507 36 



87,542 46 

$224,964 90 
200,000 00 

$24,964 90 



$140,990 65 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$20,250 00 
7,500 00 
8,500 00 



200 



FIRE ASSOCIATION OF PHILADELPHIA. 



Interest received on mortgages, .... 
Interest and dividends received from all other sources, 
Income from rents, 



Gross cash income, ..... 

Expenditures. 
Cash paid for fire losses, . . . . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

for expenses on real estate, 

Gross cash expenditures, .... 



$90,990 93 
7,336 98 



$756 50 

9,184 22 

425 04 



$151,356 41 



,653 95 

11,000 00 

27,485 02 

17,211 00 

2,949 62 

9,972 99 

335 24 

$152,607 82 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895,. 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, . 



Premiums. 

519,153,172 00 $204,444 41 
15,147,168 00 177,884 23 



. $34,300,340 00 $382,328 64 
. 16,900,746 00 207,242 35 



.$17,399,594 00 $175,086 29 
. 5,717,254 00 36,530 31 



1,682,340 CO $138,555 98 



Miscellaneous. 



Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (5£ per cent.), 
Company's stock owned by directors, . 



$3,578,660 00 

1,776,730 00 

80,937 00 

516,000 00 

11,000 00 

70,700 00 



"FIRE ASSOCIATION OF PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated March 27, 1820. Commenced business Sept. 1, 1817.] 
Paid-up Capital, $500,000. 
E. C. IRVIN, President. BENJAMIN" T. HERKNESS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

City of Philadelphia bonds, .... $309,100 00 $349,283 00 

City of Camden bonds, 1,500 00 1,755 00 

City of Richmond certificates, .... 25,000 00 28,500 00 



FIRE ASSOCIATION OF PHILADELPHIA. 



201 



City of Cincinnati bonds, .... 

City of Altoona bonds, 

City of Tacoma Water and Light Co. bonds, 
City of Richmond certificates, . 
State of Georgia bonds, .... 
Northern Central Railway Company bonds, 
Catawissa Railroad bonds, 
Lehigh Valley Railroad bonds, 
Shamokin Valley & Pottsville Railroad bonds 
Philadelphia & Erie Railroad bonds, 
Belt Railroad & Stock Yards bonds, 
Louisville & Nashville Railroad bonds, . 
Texas & Pacific Railroad bonds, 
Camden & Atlantic Railroad bonds, 
Pennsylvania Railroad bonds, . 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cincinnati, Dayton & Ironton R.R. bonds, 
Chicago, Rock Tsland & Pacific R.R. bonds, 
Northern Pacific Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Central Car Trust Company bonds, 
Ohio River Railroad bonds, 
Centralia & Chester Railroad bonds, 
Chicago & Erie Railroad bonds, 
Lynn & Boston Railroad bonds, 
Lehigh Valley Coal Co. bonds, . 
Port of Portland, Oregon, bonds, 
Pennsylvania & New York Canal bonds, 
Lehigh Coal and Navigation Company bonds 
Chamber of Commerce Association bonds, 
Underwriters 1 Pro. Asso. of Newark, N. J.,bonds 
Evansville & Terre Haute Railroad bonds, 
Newark Passenger Railway bonds, . 
Lehigh Valley Railroad bonds, 
Terminal Railroad Asso. of St. Louis bonds, 
Philadelphia City Passenger Railway bonds, 
1,230 shares Pennsylvania Railroad Co. stock, 
331 " Phila.,Germant , n&Norrist , nR.R, 
70 " Chestnut Hill Railroad stock, 
20 " Philadelphia Bourse, 
5 " Underwriters 1 Salvage Company, . 
125 " Centralia & Chester R.R. Co., 
256 " Company's own stock, $88,320 00 



Securities held as collateral for cash loans : — 

Portland University bonds, . 

50 shares Catawissa R.R. stock, , , . 



Par Value. 

fel25,000 00 
52,500 00 
40,000 00 
50,000 00 
25,000 00 

168,000 00 
10,000 00 

132,000 00 
20,000 00 

100,000 00 
50,000 00 
82,000 00 
13,000 00 
30,000 00 

108,000 00 
20,000 00 
25,000 00 
25,000 00 
32,000 00 
20,000 00 
23,000 00 
25,000 00 
50,000 00 
35,000 00 
25,000 00 
15,000 00 
39,000 00. 
8,000 00 

100,000 00 

3,000 00 

1,000 00 

50,000 00 

20,000 00 

75,000 00 

50,000 00 

50,000 00 

61,500 00 

16,550 00 

3,500 00 

1,000 00 

500 00 



Market Value. 

$151,250 00 
52,500 00 
42,000 00 
50,000 00 
27,500 00 

194,880 00 
11,300 00 

167,520 00 
22,800 00 

118,000 00 
54,000 00 
95,530 00 
13,650 00 
32,100 00 

136,560 00 
21,600 00 
27,000 00 
26,500 00 
36,585 00 
15,000 00 
23,000 00 
25,000 00 
45,000 00 
38,500 00 
25,750 00 
15,375 00 
44,460 00 
8,160 00 

131,500 00 

3,000 00 

1,000 00 

54,300 00 

21,200 00 

75,750 00 

50,000 00 

53,500 00 

63,960 00 

41,706 00 

8,820 00 

400 00 

500 00 



1,115,150 00 $2,409,694 00 

Market Value. Loaned Thereon. 

f 18,720 00 $10,000 00 
2,325 00 2,000 00 



202 



FIKE ASSOCIATION OF PHILADELPHIA. 



Pennsylvania Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Northern Pacific Railroad bonds, 
196 shares Pennsylvania Railroad stock, 
100 " Diamond State Iron Co., . 

87 " United New Jersey Railroad, 
250 " Camden Iron Works, 
333 " Merchants' National Bank, 
100 " Philadelphia Traction Co. stock, 
100 " Lehigh Valley Railroad stock, 

77 " Union Traction Co. stock, 
100 " Northern Pacific Railroad Co stock 
500 " Philadelphia Traction Co. stock, 

Ground rents, 

23 shares company's own stock, . $2,600 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents, reinsurance, etc., .... 

Gross assets, 

Deduct special deposits in other States, . 



)> $32,500 00 



Market Value. Loaned Thereon. 

$2,620 00- 

1,240 00 

1,030 00 
10,192 00 
10,000 00 

8,732 00 
20,000 00 
33,300 00 J 

6,500 00 >j 

3,600 00 i 



847 00 

350 00 

32,500 00 

23,400 00 



} 10,000 00 

25,000 00 
9,999 00 



Balance, . $5,403,543 06 



$175,356 00 $89,499 00 

31, 1895. 

$202,900 00 

1,891,829 51 

40,764 44 

2,409,694 00 

89,499 00 

10,509 11 

300,641 20 

23,194 11 

516,384 24 

4,907 45 

— $5,490,323 06 

86,780 00 



Liabilities. 



Losses adjusted, unpaid, . 


. . • 


$139,564 33 


claimed and reported, . 


. ■ • 


140,530 73 


disputed or resisted, 


• • • 


51,370 68 


Total amount of losses, . 


$331,465 74 


Less reinsurance, 


• • 


11,435 90 


Net amount of unpaid losses, . 


$320,029 84 


Unearned premiums on outstanding risks, 


1,862,746 32 


Reclaimable on perpetual fire poll 


Lcies, . 


1,924,533 29 


State and local taxes, 


• • • 


4,312 40 


Commissions and brokerage, . 


, . 


93,031 00 


Return premiums, 


• 


57,328 10 


* Value of lands mortgaged, 




$2,708,416 00 


Value of buildings thereon, 




2,290,802 00 


Amount of insurance held as 


collateral, . 


1,891,829 00 



FIRE ASSOCIATION OF PHILADELPHIA. 



203 



Due for reinsurance, . 

Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 



$24,416 04 
809 57 

$4,287,206 56 
57,603 16 



$4,229,603 40 

. $1,173,939 66 
500,000 00 



$673,939 66 



Entire premiums collected, .... $3,062,534 11 
Less reinsurance and return premiums, . . 588,973 30 

Net cash fire premiums received, . . . $2,473,560 81 

Interest received on mortgages, 111,262 09 

Interest and dividends received from all other sources, . . 128,481 24 
Income from rents, etc , ........ 4,673 71 

Deposits received for perpetual fire risks, . $63,961 25 

Gross cash income, $2,717,977 85 



$487,012 51 
3,091,905 84 

13,578,918 35 
516,384 24 



Expenditures. 
Cash paid for fire losses, $1,327,903 98 

Deduct salvage and reinsurance, . . . 50,274 44 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, . $46,028 08 

Gross cash expenditures, .... 

Risks and Premiums. 



;,277,629 54 

200,000 00 

521,914 95 

300,415 68 

57,848 95 

3,081 10 

. $2,360,890 22 

Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, \ 

Net amount in force, 



.$317,102,414 00 $3,434,033 05 
. 252,671,760 00 3,024,578 21 



.$569,774,174 00 $6,458,611 26 
. 215,331,077 00 2,702,457 10 



.$354,443,097 00 $3,756,154 16 
. 10,672,575 00 107,218 39 



. $343,770,522 00 $3,648,935 77 



Perpetual risks in force (not included above), $87,156,784 00 $2,085,582 48 



204 THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (40 per cent.), 
Company's stock owned by directors, .... 



,754,873 00 

22,035,856 00 

1,340,954 00 

4,979,762 00 

200,000 00 

40,250 00 



"THE FIRE INSURANCE COMPANY OF THE COUNTY OF 
PHILADELPHIA," PHILADELPHIA, PA. 

[Incorporated May 31, 1832. Commenced business April 19, 1833.] 

Paid-up Capital, $400,000. 

CHARLES R. PECK, President. E. A. LAW, Secretary. 



Detailed Statement of Stocks and Bonds. 



Jersey City bonds, . . 

Lehigh Valley Railroad bonds, 

Delaware & Bound Brook R.R. bonds, 

North Pennsylvania R.R. bonds, 

Catawissa R.R. Co. bonds, 

Pennsylvania Company bonds, 

Pennsylvania & N. Y. Canal and R.R. bonds, 

11 shares Elmira & Williamsport R,R., 

Pittsburg, Cincinnati & St. Louis R'y bonds, 

American Steamship Co. bonds, 

West Jersey R.R. bonds, .... 

New York Car Trust bonds, 

United New Jersey R.R. and Canal Co. bonds 

Philadelphia & Erie R.R. bonds, 

Pennsylvania R.R. bonds, 

Junction R.R. bonds, .... 

Camden & Atlantic R.R. bonds, 

Belvidere Delaware R.R. bonds, 

Connecting Railway bonds, 

264 shares Phila., Germant'n & Norrist'n R.R., 

City of Camden bonds, . . . . 

Pennsylvania R.R. bonds, .... 

150 shares United Companies of New Jersey 

205 shares Germantown Passenger R'y Co., 

Schuylkill River East Side R.R. bonds, . 

Pennsylvania Steel Co. bonds, . 

Baltimore & Ohio Equipment Assoc, bonds, 



Par Value. 

$9,000 00 

13,000 00 

24,000 00 

12,000 00 

4,000 00 

4,000 00 

10,000 00 

550 00 

20,000 00 

4,500 00 

7,000 00 

1,000 00 

20,000 00 

10,000 00 

11,000 00 

7,000 00 

4,000 00 

1,000 00 

3,000 00 

13,200 00 

1,000 00 

6,000 00 

15,000 00 

10,250 00 

15,000 00 

15,000 00 

12,000 00 



Market Value. 

$9,450 00 

16,050 00 

30,240 00 

12,120 00 

4,480 00 

4,240 00 

11,360 00 

495 00 

23,200 00 

4,635 00 

7,210 00 

1,000 00 

22,800 00 

11,750 00 

14,465 00 

7,560 00 

4,280 00 

1,090 00 

3,420 00 

33,264 00 

1,140 00 

7,080 00 

35,400 00 

25,112 50 

16,350 00 

15,450 00 

12,000 00 



THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 205 



100 shares Second and Third St. Pass. R'y Co., 

Pennsylvania & Northwestern R.R. bonds, 

220 shares Pennsylvania R.R. Co., . 

Lehigh Valley R.R. bonds, 

69 shares Nat'l B'k of the Northern Liberties 

Lehigh Valley R.R. bonds, 

100 shares Solicitors 1 Loan and Trust Co., 

104 shares North Pennsylvania R.R. Co., 

Phila. City Pass. R'y Co. bonds, 

Lombard and South St. Pass. R'y Co. bonds, 

20 shares 13th and 15th Sts. Pass. R'y Co., 

Newark Pass. R'y Co. bonds, . 

28 shares Bank of North America, Phila., 

10 shares First National Bank of Phila., . 

Huntingdon & Broad Top Car Trust fund, 

Northern Central R'y Co. bonds, 

30 shares Frankf'd & Southw'k P.C.P.R.R. Co. 

164 shares Union Traction Co. of Phila., . 

Electric and People's Traction Trust certs., 



Securities held as collateral for cash loans : — 

100 shares Union Passenger Railway Co., 

Reading Terminal bonds, 

600 shares Philadelphia & Reading R.R Co., . 
200 " Hun. & B. Top M. R.R. & Coal Co., 
100 " Lehigh Valley R.R. Co., . 
Northern Pacific R.R. bonds, .... 



Par Value. 

$5,000 00 

10,000 00 

11,000 00 

25,000 00 

3,450 00 

15,000 00 

5,000 00 

5,200 00 

3,000 00 

3,000 00 

1,000 00 

5,000 00 

2,800 00 

1,000 00 

5,000 00 

10,000 00 

2,500 00 

820 00 

25,000 00 



Market Value. 

$23,200 00 

10,300 00 

11,467 50 

26,000 00 

9,315 00 

18,918 75 

3,000 00 

8,736 00 

3,240 00 

3,000 00 

4,640 00 

5,300 00 

7,028 00 

2,005 00 

5,000 00 

11,570 00 

17,000 00 

1,845 00 

17,000 00 



$391,270 00 $524,206 75 



Market Value. 

$20,600 00 
5,250 00^1 
1,200 00 I 
6,000 00 }> 
3,600 00 | 
2,300 00 j 



Loaned Thereon. 

$15,000 00 



16,237 50 



,950 00 f 31, 237 50 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $67,500 00 

Loans on mortgage of real estate (first liens*), 196,899 00 

Interest due or accrued thereon, . . . 3,190 55 

Stocks and bonds, as per schedule, . ... 524,206 75 

Loans on collateral security, as per schedule, . 31,237 50 

Cash in the office of the company, . . . 1,118 90 

Cash deposited in bank, 32,823 69 

Interest due and accrued, 337 32 

Premiums in course of collection (gross), . 14,298 93 

Rents due and accrued, 165 83 

Perpetual deposits in other companies, . . 4,969 26 

Gross assets, ....... 



$876,747 73 



* Total value of property mortgaged, 
Amount of reinsurance held as collateral, 



$379,550 00 
159,700 00 



206 THE FIRE INSURANCE CO., COUNTY OF PHILADELPHIA. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risk 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



Income 



$7,066 94 
9,178 00 
1,183 33 

$17,428 27 
1,779 29 

$15,648 98 
80,528 81 

231,246 95 
3,090 4^ 
9,466 47 



Fire premiums outstanding Dec. 31, 1894 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from perpetual -premiums, . 

Deposits received for perpetual fire risks, 

Gross cash income, .... 



Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



|21,066 49 
165,989 15 



$187,055 64 
14,298 93 



$172,756 71 
37,527 46 



sources, 



$11,007 63 



$58,106 77 
7,137 96 



,137 66 



$339,981 64 

$536,766 09 
400,000 00 



$136,766 09 



$135,229 25 

9,102 89 

27,578 05 

1,860 96 

240 60 



$174,011 75 



$50,968 81 

24,000 00 

27,557 08 

10,721 72 

4,780 72 

9,173 30 



$127,204 63 



fireman's FUND INSURANCE CO. 



207 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Total,. . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



.$15,386,369 00 
. 14,312,664 00 



129,699,033 00 
14,405,732 00 



.|15,293,301 00 
. 1,605,763 00 



$13,687,538 00 



Net amount in force, . 
Perpetual risks in force (not included above), . f 10,539,967 00 

Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, 



Premiums. 

$183,715 92 
165,989 15 

$349,705 07 
170,962 63 



$178,742 44 
17,794 72 



$160,947 72 
$255,365 85 



52,554,152 00 

1,651,103 00 

51,173 00 

660,408 00 

24,000 00 

71,100 00 



" FIREMAN'S FUND INSURANCE COMPANY," SAN FRANCISCO, 

CAL. 

[Incorporated May 3, 1863. Commenced business June 18, 1863. ] 

Paid-up Capital, $1,000,000. 

D. J. STAPLES, President. BERNARD FAYMONVILLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Omnibus Cable Co. bonds, .... $125,000 00 $147,500 00 

Market Street Railway Co. bonds, . . . 100,000 00 107,500 00 

Powell Street Railway Co bonds, . . . 15,000 00 17,100 00 

Sutter Street Railway Co. bonds, . . . 50,000 00 55,000 00 

Presidio & Ferries R.R. Co. bonds, . . . 37,000 00 37,000 00 

San Francisco & North Pacific R'y bonds, . 20,000 00 20,000 00 

United States bonds, 25,000 00 29,312 50 

Oakland City Gas, Light & Heat Co. bonds, . 50,000 00 52,250 00 

Stockton Gas & Electric Light Co. bends, . 30,000 00 30,450 00 

San Diego Gas and Electric Light Co. bonds, . 20,000 00 20,000 00 

Riverside Water Co. bonds, .... 20,000 00 20,000 00 

Baker City, Ore., Water bonds, . . . 17,000 00 17,850 00 

Pacific Rolling Mills bonds, .... 14,000 00 14,350 00 

Baker City, Ore., School bonds, . . . 20,000 00 21,000 00 

Palo Alto, Cal., School District bonds, . . 15,000 00 15,750 00 

San Pascual, Cal., School District bonds, . 6,250 00 6,312 50 

Olympic Club bonds, 5,000 00 5,000 00 

Independence City, Ore., bonds, . . . 3,000 00 3,000 00 

2,986 shares Home Mutual Insurance Co., .' 298,600 00 600,000 00 



208 fireman's fund insurance co. 

Par Value. Market Value. 

60 shares Bank of California stock, . . $6,000 00 $13,920 00 

187 " First National Bank, S. F., . . 18,700 00 34,034 00 

100 " Anglo-California Bank stock, . 5,000 00 6,000 00 

450 " Oakland Bank of Savings stock, . 22,500 00 29,250 00 

600 " California Safe Dep. & Trust Co., 30,000 00 33,600 00 

340 " Sather Banking Co., . . . 34,000 00 25,500 00 

1,000 " California Street Cable R.R. Co., 100,000 00 105,000 00 

440 " Sutter Street R.R. Co., . . . 44,000 00 44,000 00 

200 " Market Street Railway Co., . . 20,000 00 9,000 00 

100 " San Fran. & San JoaquinVal.R.R., 4,000 00 4,000 00 

650 " Oakland Gas, Light & Heat Co., . 13,000 00 32,500 00 

50 " San Francisco Gaslight Co., . . 5,000 00 3,600 00 

400 " Pacific Gas Improvement Co,, . 40,000 00 32,400 00 

600 " Spring Valley Water Co., . . 60,000 00 58,500 00 

656 " California Dry Dock Co., . . 65,600 00 24,600 00 

500 " Pacific Rolling Mills, . . . 50,000 00 11,250 00 

684 " Stockton Gas, Light & Heat Co., 12,170 00 8,550 00 

450 " S Francisco & S. Joaquin C'l Co., 22,500 00 13,500 00 

100 " Oakland Building & Loan Asso., . 2,400 00 2,400 00 



64,000 00 



f 1,425,720 00 $1,710,979 00 
Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

440 shares Bank of Sonoma County, . . $48,400 00 $38,000 00 

Blue Lakes Water Company bonds, . . 5,000 00 2,500 00 

50 shares Eagle Canning Company, . . 1,500 00 801 65 

1,400 " California Safe Dep. & Trust Co., 78,400 00 

1,500 " S F. & San Joaquin Coal Co., . 50,000 00 

500 " Southern Pacific Milling Co., . 37,500 00 15,000 00 

218 " Bank of Sonoma County, . . 23,980 00 16,000 00 

18 " California Street Cable R.R. Co., 1,890 00 \ 

68 " Pacific Gas Improvement Co., . 5,508 00 > 5,000 00 

100 " Pacific Telegraph & Tele. Co., . 4,800 00 ) 

200 " Oakland Gas, Light & Heat Co., . 10,000 00 7,000 00 

School Dist. No. 1, Multnomah Co., Ore., bonds, 20,000 00 >> 

City of Albany, Linn County, Ore., bonds, . 20,000 00 ! ™ ™q qq 

School Dist No. 1, Clackamas Co., Ore., bonds, 5,500 00 • 

School Dist. No. 1, Forest Grove, Ore., bonds, 4,500 00 J 



$316,978 00 |178,301 65 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . f416,700 00 
Loans on mortgage of real estate (first liens*), 492,243 85 
Interest due or accrued thereon, . . . 6,220 31 

* Value of lands mortgaged, $1,096,000 00 

Value of buildings thereon, 297,800 00 

Amount of insurance held as collateral, .... 182,950 00 



fireman's FUND INSURANCE CO. 



209 



Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in company's offices, 

Cash deposited in bank, .... 

Interest due and accrued, ... 

Premiums in course of collection (gross), 

Notes taken for marine and inland risks, 

Reinsurance, etc., 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, . . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Bills payable, 

Contingent reserve, 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 

Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1894, 
Net collected, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, . . . 
Less reinsurance and return premiums, . 
Net cash fire premiums received, 
Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, . 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 



,710,979 00 

178,301 65 

8,634 74 

184,662 65 

5,865 65 

369,500 75 

40,491 40 

35,495 88 



|3,449,095 88 
79,312 50 

$3,369,783 38 



$31,409 43 
98,759 46 
11,650 00 

$141,818 89 
16,327 47 

$125,491 42 
1,218,571 74 
28,450 91 
14,376 72 
75,000 00 
76,027 41 

11,537,918 20 
39,242 36 



1,498,675 84 

51,871,107 54 

1,000,000 00 



1,107 54 



$324,587 19 
2,155,368 87 

12,479,956 06 
345,478 19 

^2,134,477 87 
675,389 11 

$66,938 30 
329,747 18 

$396,685 48 
64,513 96 



$1,459,088 76 



$332,171 52 
150,381 34 



181,790 18 



210 



fireman's FUND INSURANCE CO. 



Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, .... 

Expenditures 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, . 

Gross cash expenditures, . 



sources, 



$26,997 02 

104,459 24 

19,168 15 

. $1,791,503 35 



$836,914 44 
112,851 47 

$216,549 62 
92,863 33 



$724,062 97 



123,686 29 
120,000 00 
224,935 85 
179,027 74 
30,701 61 
154,065 84 

. $1,556,480 30 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

rremiums. 

$199,631,332 00 $2,587,001 20 
179,216,492 00 2,155,368 87 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 

Deduct amount reinsured, . * 

Net amount in force, . 



$378,847,824 00 $4,742,370 07 
167,900,380 00 2,227,613 47 



$210,947,444 00 
19,797,119 00 



1,514,756 60 
265,676 24 



$191,150,325 00 $2,249,080 36 

. $3,820,916 00 $149,575 52 
. 27,914,784 00 329,747 18 



131,735,700 00 $479,322 70 
27,838,145 00 324,160 16 



$3,897,555 00 $155,162 54 
1,362,758 00 60,452 96 



>,534,797 00 



»4,709 58 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (12 per cent.),. 

Company's stock owned by directors, . , 



$28,489,258 00 
14,370,424 00 

717,879 00 

119,161 00 

2,536,060 00 

120,000 00 

135,400 00 



FIREMEN S INSURANCE CO. 



211 



« FIREMEN'S INSURANCE COMPANY OF NEWARK, N. J, 1 ' 

NEWARK, N. J. 

[Incorporated Dec. 3, 1855. Commenced business Dec. 3, 1855 ] 

Paid-tjp Capital, $600,000. 

DANIEL H. DUNHAM, President. A. H. HASSINGER, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

Morris & Essex Railroad bonds, 

Orange & Newark Railroad bonds, . 

Essex Pass. Railway bonds, 

Montclair Gas & Water Company bonds, 

East Orange Township bonds, . 

Underwriters 1 Prot. Association bonds, . 

United N. J. Railroad & Canal Co. stock, 

Delaware, Lack. & Western Railroad stock, 

Morris & Essex Railroad stock, 

Newark City National Bank stock, . 

Second National Bank stock, . 

National Newark Banking Company stock, 

National State Bank stock, 

Essex County National Bank stock, . 

German National Bank stock, . 

Manufacturers 1 National Bank stock, 

Newark Electric Light & Power Company, 

Newark Fire Insurance Company stock, . 

Paterson Gas Light Company stock, 

Newark Gas Light Company stock, 

Newark Gas Company bonds, . 

Lehigh Valley Terminal Railway bonds, 

Newark City Water bonds, 

Atlantic City, N. J., Water bonds, . 

Newark & Rosendale Lime and Cement Co., 



Par Value. 

$30,000 00 
50,000 00 
40,000 00 
24,000 00 

5,000 00 
322 29 

1,000 00 
13,900 00 
60,000 00 
70,000 00 
20,000 00 
20,000 00 
20,000 00 
32,500 00 
20,000 00 

4,200 00 
10,000 00 
15,000 00 

5,000 00 
10,000 00 
11,850 00 
50,000 00 

4,000 00 
25,000 00 
22,000 00 

4,000 00 



Market Value. 

f 30,950 00 
69,500 00 
44,000 00 
26,400 00 

5,000 00 
322 29 

1,000 00 
32,665 00 
95,700 00 
115,500 00 
31,000 00 
28,000 00 
33,000 00 
50,375 00 
50,000 00 

8,190 00 
14,400 00 
18,750 00 

7,000 00 
12,000 00 
10,665 00 
62,500 00 

4,480 00 
25,750 00 
25,080 00 

2,800 00 



$567,772 29 $805,027 29 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered, real estate, . $122,516 01 

Loans on mortgage of real estate (first liens*), 1,011,561 00 

Interest due or accrued thereon, . . . 14,588 77 

Stocks and bonds, as per schedule, , . . 805,027 29 

Cash in the office of the company, . . . 1,414 88 

Cash deposited in bank, ..... 7,586 20 

Interest due and accrued, ..... 6,776 00 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$2,443,975 00 
1,331,210 00 



212 



fikemen's INSURANCE CO. 



Premiums in course of collection (gross), , 

Rents due and accrued, 

Premiums more than three mos. due, $1,052 06 
Gross assets, 



$35,186 45 
3C0 00 



!,004,956 60 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, . . 
Unearned premiums on outstanding risks, 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . 



$4,391 41 

12,178 57 

9,084 23 

259,286 86 

1,905 00 

500 55 

5,543 93 

3,629 46 



296,520 01 

.,708,436 59 
600,000 00 



Surplus over capital, f 1,108,436 59 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Same not collected, . . 

Net collected, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$23,171 93 
83 75 



$23,088 18 
360,700 14 



$383,788 32 
36,238 51 



$347,549 81 
36,015 14 



sources, 



$311,534 67 

49,629 51 

38,069 17 

8,823 77 



,057 12 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid,. 

Cash paid for redemption of scrip, 

Interest paid scrip-holders, 

Cash paid for commissions and brokerage, 



$156,862 60 
9,698 11 



$147,164 49 

72,000 00 

4 00 

1 20 

53,134 39 



FRANKLIN FIRE INSURANCE CO. 



213 



Cash paid for salaries of officers and employees, . 
for State and local taxes, 

for incidentals, 

for repairs on real estate, 

Gross cash expenditures, 



$23,851 89 

13,157 86 

15,124 94 

957 88 

$325,396 65 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . , 
Deduct amount reinsured, 

Net amount in force, . 



.f55,706,017 00 
. 36,593,193 00 



. $92,299,210 00 
. 36,376,039 00 



.$55,923,171 00 
981,419 00 



Premiums. 

$505,143 10 
360,700 14 



,843 24 
342,891 81 

$522,951 43 
8,684 64 



.$54,941,752 00 $514,266 79 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), 
Company's stock owned by directors, .... 



57,114,349 00 
3,405,436 00 

147,371 00 

1,542,500 00 

72,000 00 

205,560 00 



"FRANKLIN FIRE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 22, 1829. Commenced business June, 1829.] 

Paid up Capital, $400,000. 

JAMES W. MCALLISTER, President. EZRA T. CRESSON, Secretary. 



Detailed Statement of Stocks and Bonds. 



City of Springfield, 111., bonds, 

City of Sandusky, O , bonds, 

10 shares Philadelphia Bourse stock, 

City of Camden, N. J., bonds, . 

Pittsburgh, Chartiers & Youghiogheny R.R., 

Pennsylvania Railroad bonds, . 

Shamokin, Sunbury & Lewisburg bonds, . 

Chartiers R. W. bonds, .... 

Delaware River Ferry bonds, . 

Penn. & New York Canal & R.R. bonds, . 



Par Value. 

$9,000 00 
55,000 00 
500 00 
40,000 00 
50,000 00 
70,000 00 
10,000 00 
6,000 00 
10,000 00 
50,000 00 



Market Value. 

$9,180 00 
61,600 00 
400 00 
41,200 00 
55,000 00 
81,900 00 
10,200 00 
6,900 00 
10,300 00 
61,500 00 



214 



FRANKLIN FIRE INSURANCE CO. 



Wilmington & Weldon Railroad bonds, 

Jacksonville, Louisville & St Louis Railroad 

Lehigh Valley Railroad bonds, 

Huntington & Broad Top Railroad, . 

North Pennsylvania Railroad bonds, 

50 shares Independence National Bank, . 

Philadelphia city bonds, . . . . ^ 

Lehigh Valley Railroad bonds, 

Pennsylvania R.R. bonds, 

Penn. & New York Canal & R.R. bonds, . 

Phila., Wilmington & Baltimore R.R. bonds, 

Philadelphia & Erie Railroad bonds, 

50 shares First National Bank, Philadelphia, 

Belvidere Delaware Railroad bonds, 

City of Quincy, 111., bonds, 

100 shares South wark National Bank, 

Gloucester County, N. J., bonds, 

Northern Pacific Railroad, 

Iowa City & Western Railroad bonds, 

Delaware & Bound Brook Railroad bonds, 

Chicago & Western Indiana Railroad bonds, 

Pennsylvania Railroad Trust loan, . 

Columbus & Cincinnati Midland Railroad, 

125 shares Phila , Wilm. & Baltimore Railroad 

St. Paul, Minnesota & Manitoba Railroad, 

Baltimore & Potomac Railroad, 

Pennsylvania & New York Canal & Railroad 

West Jersey Railroad bonds, . 

Connecting Railroad bonds, 

Easton & Amboy Railroad bonds, . 

Lehigh Valley Railroad bonds, 

Elmira & Williamsport Railroad bonds, 

Phila., Wilm. & Bait. Trust Certificate bonds, 

New York, Lackawanna & Western Railroad, 

West Jersey Railroad bonds, . 

New York Central Railroad bonds, . 

Harrisb'g, Portsm'th, Mt. Joy & Lan. R.R., 

Lehigh Coal & Navigation Company bonds, 

Northern Central Railroad, 

50 shares Continental Hotel Company, . 

Steubenville & Indiana Railroad, 

Pennsylvania Salt Manufacturing Co. bonds, 

Camden & Atlantic Railroad bonds, 

Northern Central Railroad bonds, . 

Philadelphia & Erie Railroad bonds, 

500 shares Mine Hill & Schuylkill Haven R.R 

25 shares Penn. Co. for Ins. on Lives, etc., 

Lehigh Valley Coal Company bonds, 



Par Value. 

$50,000 00 
11,000 00 
11,000 00 
29,000 00 

4,000 00 

5,000 00 

4,100 00 
42,000 00 
61,000 00 
10,000 00 
28,000 00 
10,000 00 

5,000 00 
21,000 00 
19,000 00 

5,000 00 
11,000 00 

6,000 00 
20,000 00 

8,000 00 
10,000 00 
30,000 00 
25,000 00 

6,250 00 

2,000 00 
125,000 00 
54,000 00 
14,000 00 
20,000 00 
25,000 00 
40,000 00 
10,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
10,000 00 
15,000 00 

5,000 00 
60,000 00 
47,000 00 
15,000 00 
12,000 00 
10,000 00 
25,000 00 

2,500 00 
20,000 00 



Market Value. 

$52,500 00 

3,800 00 

11,550 00 

29,870 00 

4,080 00 

6,250 00 

4,305 00 

50,750 00 

80,520 00 

10,900 00 

29,270 00 

10,400 00 

10,000 00 

21,000 00 

19,000 00 

10,000 00 

11,000 00 

6,120 00 

20,600 00 

8,400 00 

10,600 00 

32,400 00 

18,750 00 

7,500 00 

2,200 00 

153,500 00 

55,080 00 

15,400 00 

22,000 00 

27,250 00 

42,000 00 

10,500 00 

25,500 00 

33,750 00 

30,000 00 

26,000 00 

26,750 00 

10,400 00 

17,250 00 

7,000 00 

66,600 00 

47,000 00 

18,000 00 

12,360 00 

11,800 00 

35,000 00 

12,000 00 

20,400 00 



FRANKLIN FIRE INSURANCE CO. 



215 



Baltimore & Ohio Railroad bonds, . 

Northern Central Railroad bonds, . 

River Front Railroad bonds, 

Camden & Atlantie Railroad bonds, 

Borough of Beaver, Penn., bonds, . 

Philadelphia & Reading Railroad bonds, 

St. Louis, Vandalia & Terre Haute R.R. bonds 

Pitts , Cincinnati & St. Louis R.R. bonds, 

City of Columbus, O., water works bonds, 

Lehigh Valley Railroad bonds, 

Girard Point Storage bonds, 

Susquehanna Coal Company bonds, 

Borough of Sewickly, Penn., school bonds, 

Dayton, O., city bonds, .... 

Philadelphia & Baltimore Central R.R. bonds, 

Monongahela City, Pa., sewer and street bonds, 

Columbus, O., city bonds, 

Warren & Franklin R. W. Co. bonds, 

Pitts., Cincinnati & St. Louis Railroad bonds, 

Jacksonville Southeastern R. W. bonds, . 

Baltimore & Ohio R.R. bonds, . 

Allegheny Valley R.R. bonds, . 

Philadelphia Traction Co. bonds, 

Borough of Sewickly, Pa , water bonds, . 

Borough of Downingtown, Pa., water bonds, 

Lehigh Coal & Navigation Co., bonds, . 

Camden, N. J., city bonds, 

Lancaster, Pa , school bonds, . 

Penn. & N. Y. Canal & R.R. Co. bonds, . 



Par Value. 

$25,000 00 

39,000 00 

16,000 00 

11,000 00 

22,600 00 

91,000 00 

14,000 00 

52,000 00 

25,000 00 

100,000 00 

50,000 00 

10,000 00 

24,500 00 

25,000 00 

1,000 00 

18,000 00 

25,000 00 

15,000 00 

7,000 00 

4,000 00 

24,000 00 

25,000 00 

36,000 00 

2,000/00 

10,000 00 

25,000 00 

5,000 00 

4,000 00 

3,000 00 



Market Value. 

$25,500 00 

43,580 00 

16,000 00 

11,550 00 

23,730 00 

100,790 00 

14,840 00 

60,320 00 

25,750 00 

110,400 00 

44,000 00 

11,800 00 

25,725 00 

28,500 00 

1,060 00 

19,440 00 

26,000 00 

15,450 00 

8,120 00 

3,000 00 

28,320 00 

32,500 00 

37,080 00 

2,100 00 

10,500 00 

26,250 00 

5,150 00 

4,160 00 

2,850 00 



1,077,450 00 $2,299,450 00 



Securities held as collateral for cash loans : — 



Philadelphia & Reading R.R. Co , . 
Electric & People's Traction Co., 
Newark Passenger Railway Co., 
Pennsylvania Canal Co , . 
Missouri, Kansas & Texas R.R. Co., 
625 shares Texas & Pacific R.R., 
500 " Union Pacific, Denver & Gulf R.R 
300 " North American Company, 
300 " Union Traction Company, 
100 " Northern Pacific R.R., . 
100 " Lake Erie & Western R R , 
159 " Louisville, NewAlbany'& Chic. R.R 
20 " Huntingdon & Broad Top Mt. R.R 
7 " Southern Railway Co., . 



Market Value. Loaned Thereon. 

$5,340 00 

2,720 00 

3,180 00 

517 50 

570 00 

5,000 00 

1,625 00 

1,275 00 

3,375 00 

350 00 

1,950 00 

1,871 00 

600 00 

196 00 J 



} $25,000 00 



216 



FRANKLIN FIRE INSURANCE CO. 



Western New York & Pennsylvania R R., 

Philadelphia & Reading R R. Co., . 

Sunbury, Hazeleton & Wilkesbarre R.R., 

Electric & People's Traction Co , 

Missouri, Kansas & Texas R.R. Co., 

Northern Pacific R.R. Co., 

New York, Phila. & Norfolk R.R., . - . 

950 shares North American Co., 

300 " Pitts., Cinn , Chic. & St. Louis R.R. 

100 " Union Pacific R.R., . 

100 " St. Louis Southern R.R., . 

100 " Choctow, Oklahoma & Gulf R.R., 

80 " Southern Railway, . 

45 " Elmira & Williamsport R.R., . 

25 " Atchison, Topeka & Santa Fe R.R 

10 " Hestonville Pass. Railway, 
5 " Guarantee Trust & Safe Dep. Co., 
Citizens' Pass. Railway, Indianapolis, Ind., 
400 shares United Gas Improvement Co , 
200 " Metropolitan Traction Co., . 
100 " Philadelphia Traction Co., 
Cincinnati, Ind , St. Louis & Chic. R.R , . 
New York & Long Branch R.R. Co., 
500 shares Philadelphia Traction Co., 
150 shares Record Publishing Co., . 
Record Publishing Co. bonds, . 
57 shares 13th & 15th Streets Pass. R'y Co., 



Market Value. Loaned Thereon. 
$5,490 00 >, 
3,040 00 
3,210 00 
1,360 00 
1,140 00 
1,150 00 
1,075 00 j 
4,037 50 I 

4,350 00 )> $25,000 00 

387 50 

500 00 

1,300 00 

720 00 

2,970 00 

350 00 

615 00 

920 00 

2,610 00 >| 

32,400 00 

20,000 00 

6,525 00 

38,000 00 

11,000 00 

32,625 00 

30,000 00 

15,000 00 

13,224 00 



5> 50,000 00 



40,000 00 

25,000 00 
12,500 00 
10,000 00 
10,000 00 



$262,568 50 $197,500 00 



Summahy of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $279,000 00 

Loans on mortgage of real estate (first liens*), 233,808 00 

Interest due or accrued thereon, . . . 3,507 12 

Stocks and bonds, as per schedule, . . . 2,299,450 00 

Loans on collateral security, as per schedule, . 197,500 00 

Cash in the office of the company, . . . 3,057 84 

Cash deposited in bank, 86,693 43 

Interest due and accrued, 1,312 26 

Premiums in course of collection (gross), . 65,222 93 

Gross assets, $3,169,551 58 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$752,445 00 
375,733 00 



FRANKLIN FIRE INSURANCE CO. 



217 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$15,713 82 

27,176 23 

1,500 00 

$44,390 05 
2,880 63 

$41,509 42' 

454,851 00 

1,193,448 62 

410 00 

8,838 90 



- $1,699,057 94 

. $1,470,493 64 
400,000 00 



.,070,493 64 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $71,083 40 
Premiums on risks written or renewed, . . 588,497 97 

Total, . $659,581 37 

Premiums now in course of collection, . . 65,222 93 

Entire premiums collected, .... $594,358 44 
Less reinsurance and return premiums, . . 104,601 57 

Net cash fire premiums received, . . . $489,756 87 

Interest received on mortgages, 14,842 73 

Interest and dividends received from all other sources, . . 120,519 64 

Income from rents, 8,245 79 

Transfers, surveys, etc., . . . . . . . . 1,504 50 

Deposits received for perpetual fire risks, . $12,413 24 

Gross cash income, $634,869 53 



Expenditures. 

Cash paid for fire losses, $294,162 67 

Deduct salvage and reinsurance, . . . 15,740 37 

Net cash paid for fire losses, .... ■ 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . 

for repairs to real estate, 
Deposits returned on perpetual fire risks, , $38,116 13 

Gross cash expenditures,' ....... 



$278,422 30 
99,890 00 
88,278 93 
38,140 00 
20,960 98 
86,710 13 
2,819 98 



$615,222 32 



218 



GERM AN- AMERICAN INSURANCE CO. 



Risks and Pre iums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, . . . . m . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



. f83,853,259 00 
. 50,157,976 00 



$134,011,235 00 
. 52,840,912 00 

.$81,170,323 00 
. 3,370,004 00 



Premiums. 

,742 89 
588,497 97 



,558,240 86 
633,620 37 

$924,620 49 
38,375 18 



$77,800,319 00 $886,245 3L 
Perpetual risks in force (not included above), $57,737,973 00 $1,295,299 05 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (25 per cent.), 
Company's stock owned by directors, .... 



$30,230,372 00 

16,114,023 00 

293,366 00 

5,384,000 00 

100,000 00 

22,500 00 



» GERMAN-AMERICAN INSURANCE COMPANY," NEW YORK. 

[Incorporated March, 1872. Commenced business March 7, 1872.] 



Paid-up Capital, $1,000,000. 



EMIL OELBERMANET, President. 



WILLIAM S. NEWELL, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 

New York City bonds, 

Brooklyn city bonds, 

St Louis, Mo., bonds, 

Portland, Ore., water bonds, 

Atlanta, Ga , bonds, . 

Nashville, Tenn , Water bonds, 

Albany & Susquehanna R.R. bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Central Pacific R.R. bonds, 

Columbus, Hock. Valley & Toledo R.R bonds, 

Columbus & Ninth Avenue R.R. bonds, . , 



Par Value. - 

$751,000 00 

r 927,784 00 

175,000 00 

100,000 00 

50,000 00 

25,000 00 

25,000 00 

75,000 00 

150,000 00 

120,000 00 

154,000 00 

155,000 00 

50,000 00 

25,000 00 

5,000 00 



Market Value. 

$832,770 00 

929,534 00 

173,625 00 

106,000 00 

53,250 00 

25,000 00 

25,000 00 

87,750 00 

164,500 00 

129,600 00 

166,175 00 

161,000 00 

49,000 00 

20,750 00 

5,700 00 



GERMAN-AMERICAN INSURANCE CO. 



219 



Erie R.R. bonds, 

Hannibal & St. Joseph R.R. bonds, . 

Little Miami R.R. bonds, . 

Louis. & Nash, and Mobile & Mont'y bonds, 

Louisville & Nashville R.R. bonds, . 

Montana Central R.R. bonds, . 

New York, N. H. & H. R.R. certs., . 

Nashville, Chattanooga & St. Louis R.R. bonds 

N. Y , Lackawanna & Western R.R. bonds, 

N. Y., Susquehanna & Western R.R. bonds, 

New York Central R.R. bonds, 

New York, Chicago & St. Louis R.R. bonds, 

New York, Lake Erie & Western R.R. bonds 

Pennsylvania Co. bonds, .... 

St. Paul, Minn. & Manitoba R.R. bonds, . 

Syracuse, Binghampton & N. Y. R R. bonds, 

Wabash R.R. bonds, 

Allegheny Street Railway bonds, 

Edison Electric Ilium. Co. of N. Y. bonds, 

Minneapolis L. & M. Street Railway bonds, 

Troy (N. Y.) City Railway bonds, . 

Underwriters' Pro. Asso. of Newark, N. J.,b 1 ds. 

Western Union Telegraph Co. bonds, 

Maryland Steel Company bonds, 
100 shares Albany & Susquehanna R.R., 
400 " Cleve., Cin., Chic. & St Louis R.R. 

1,000 " Cayuga & Susquehanna R R., 
ftOO " Chic, Milwaukee & St. Paul R.R. 
500 " Chicago & Northwestern R.R., 
200 " De't, Hillsdale & Southw'n R R , 

1,200 " Morris & Essex R.R., . 

2,633 " New York & Harlem R.R., . 
490 " N. Y., N. H. & Hartford R.R., 
200 " N. Y., Lackawanna & West'n R.R. 

2,550 " Pennsylvania R.R., 
500 " Rensselaer & Saratoga R.R., 
300 " St. Paul, Minn. & Manitoba, 
100 " American Exchange Nat 1 ! Bank, 
200 " Central National Bank, 
473 " National Bank of Commerce, 
200 " Fourth National Bank, 
221 " German-American Bank, 

1,000 " Consolidated Gas Company, 
300 " New York Mutual Gas Light Co. 
700 " Standard Oil Trust, 
440 " Western Union Telegraph Co., 



Par Value. 

Rl 10,000 00 
25,000 00 
25,000 00 

100,000 00 
24,000 00 
25,000 00 
19,500 00 
25,000 00 

100,000 00 
25,000 00 

100,000 00 
45,000 00 
25,000 00 
55,000 00 
55,000 00 
30,000 00 
60,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
1,000 00 
25,000 00 
50,000 00 
10,000 00 
40,000 00 
30,000 00 
60,000 00 
50,000 00 
20,000 00 
60,000 00 

131,650 00 
49,000 00 
20,000 00 

127,500 00 
50,000 00 
30,000 00 
10,000 00 
20,000 00 
47,300 00 
20,000 00 
16,575 00 

100,000 00 
30,000 00 
70,000 00 
44,000 00 



Market Value. 

$151,960 00 
29,500 00 
27,500 00 

105,000 00 
26,640 00 
28,500 CO 
26,520 00 
24,625 00 

132,000 00 
25,000 00 

106,000 00 
46,125 00 
16,500 00 
60,930 00 
56,900 00 
37,500 00 
62,100 00 
25,000 00 
26,500 00 
22,500 00 
26,875 00 
1,000 00 
26,375 00 
48,500 00 
17,000 00 
34,000 00 
41,100 00 
75,600 00 
72,500 00 
18,800 00 
97,800 00 

362,037 00 
87,220 00 
23,300 00 

131,962 00 
89,000 00 
33,000 00 
16,600 00 
23,000 00 
97,438 00 
34,000 00 
18,564 00 

148,000 00 
66,900 00 

137,900 00 
36,960 00 



$4,854,309 00 $5,732,385 00 



220 



GERMAN- AMERICAN INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $25,000 00 

Stocks and bonds, as per schedule, . . . 5,732,385 00 

Cash in the office of the company, . . . 5,693 04 

Cash deposited in bank, ..... 390,981 05 

Interest due and accrued, ~~. 7,307 67 

Premiums in course of collection (gross), . 418,702 32 

Gross assets,* .... 
Deduct special deposits in other States, 



Liabilities. 



5,878 99 
245,880 87 
59,615 08 

$372,374 94 
3,643 84 



1,168,777 77 
88,996 83 



Balance, . . 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, .... $368,731 10 

Unearned premiums on outstanding risks, . 2,591,902 88 

Due and accrued for rent, salaries, etc., . . 8,264 89 

Commissions and brokerage, .... 100,687 50 

Return premiums, . . . . . . 3,610 60 

Reinsurance, .... . . 93,785 49 

Reinsurance disallowed, 1,795 31 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . . 

Surplus over capital, . 

Income 
Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, $4,037,136 53 

Premiums now in course of collection, . . 418,702 32 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



5,580,069 08 
126,300 00 

1,453,769 08 



3,079,780 94 

£3,373,988 14 
1,000,000 00 



$2,373,988 14 



$332,697 01 
2,180 26 



),516 75 

3,706,619 78 



1,618,434 21 
878,251 88 



$2,740,182 33 
256,100 86 

$2,996,283 19 



* Including $500,000 special reserve fund held under New York law. 



GERMANIA FIRE INSURANCE CO. 



221 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, . 



.,769,824 07 
243,735 93 



.,526,088 14 
200,000 00 
497,813 94 
179,528 79 
72,110 08 
279,719 58 



$2,755,260 53 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$583,367,224 00 
353,729,637 00 

$937,096,861 00 
395,271,624 00 

$541,825,237 00 
9,540,415 00 



Premiums. 

55,679,253 69 
3,706,619 78 

?9,385,873 47 
4,055,283 11 

^5,330,590 36 
111,055 97 



$532,284,822 00 $5,219,534 39 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), 
Company's stock owned by directors, .... 



$43,712,472 00 

23,124,347 00 

1,388,512 00 

3,340,000 00 

200,000 00 

281,100 00 



"GERMANIA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated March 2, 1859. Commenced business March 2, 1859.] 

Paid-up Capital, $1,000,000. 

HUGO SCHUMANN, President. CHARLES RUYKHAVER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $950,000 00 $1,059,250 00 

Chicago & Northwestern Railway Co. bonds, . 36,000 00 39,600 00 

Cleve., Col., Cin. & Indianapolis R R. bonds, . 25,000 00 31,625 00 

Denver & Rio Grande Railroad bonds, . . 25,000 00 22,250 00 

Dry Dock, East BVay & Battery R.R. bonds, . 10,000 00 11,300 00 

Fargo & Southern Railway bonds, . . . 20,000 00 23,600 00 

Flint & Pere Marquette Railroad bonds, . . 25,000 00 23,250 00 

Georgia State bonds, 25,000 00 24,625 00 



222 



GERMANIA FIRE INSURANCE CO. 



Hannibal & St. Jo. Railroad bonds, . 
Harlem & Port Chester Railroad bonds, . 
Kentucky Central Railway bonds, . 
Long Island Railroad bonds, . . . 
Louisville, New Albany & Chicago R.R. bonds 
Michigan Central Railroad bonds, . 
Milwaukee & Northern Railroad bonds, . 
Milwaukee & St. Paul Railway bonds, . 
Mississippi State bonds, . „ . . 
Morris & Essex Railroad bonds, 
N. Y., Brooklyn & Manhattan Beach R'y bonds 
N. Y. Central & Hudson River R'y bonds, 
Northern Pacific Railroad bonds, 
Pennsylvania Company bonds, 
Richmond City bonds, .... 
Rome, Watertown & Ogdensburg R.R. bonds 
St. Paul, Minn. & Manitoba Railway bonds, 
St. Paul & Northern Pacific Railroad bonds, 
Third Avenue Railroad Company bonds, 
Toledo & Ohio Central Railway bonds, . 
Underwriters' Protective Asso of Newark, 
Union Elevated Railroad, Brooklyn, bonds, 
Wabash Railroad bonds, .... 
Chesapeake & Ohio R'y Co. bonds, . 
Commercial Cable Co. stock, 
Consolidated Gas Company stock, . 
Broadway & Seventh Avenue R.R. stock, 
Chicago & Alton Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Chicago & Northwestern Railway Co. stock, 
Chic, St. Paul, Minn. & Omaha R'y stock, 
Delaware & Hudson Canal Company stock, 
German-American Bank stock, 
Lake Shore & Michigan Southern R'y stock, 
National Park Bank stock, 
N. Y. Central & Hudson River R.R. stock, 
Pennsylvania Railroad stock, . 
Pullman's Palace Car Co. stock, 
Rome, Watertown & Ogdensburg R.R. stock, 
Western Union Telegraph Company stock, 



Par Value. 

825,000 00 
10,000 00 
25,000 00 
15,000 00 

7,000 00 
20,000 00 
25,000 00 
15,000 00 
20,000 00 

5,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
52,100 00 
10,000 00 
28,000 00 
16,000 00 
25,000 00 
35,000 00 

1,000 00 
15,000 00 
50,000 00 
30,000 00 
10,000 00 
50,000 00 
30,000 00 
30,000 00 
25,000 00 
60,000 00 
45,000 00 
70,000 00 

9,375 00 
60,000 00 

5,000 00 
60,000 00 
51,000 00 
20,000 00 
35,000 00 
50,000 00 



Market Value. 

$29,125 00 
12,000 00 
22,375 00 
18,150 00 

8,050 00 
23,800 00 
29,125 00 
18,300 00 
20,000 00 

5,900 00 
25,625 00 
52,500 00 
58,750 00 
56,750 00 
52,881 50 
11,850 00 
29,145 00 
19,760 00 
29,500 00 
36,750 00 

1,000 00 
15,000 00 
51,500 00 
28,650 00 
18,000 00 
74,000 00 
60,000 00 
48,000 00 
31,750 00 
87,000 00 
54,225 00 
87,150 00 
10,593 75 
84,600 00 
13,750 00 
57,900 00 
53,295 00 
31,200 00 
42,000 00 
42,750 00 



>,330,475 00 $2,688,200 25 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, , $455,281 51 
Loans on mortgage of real estate (first liens*), 265,000 00 



* Value of lands mortgaged, . . 
Value of buildings thereon, . . . 
Amount of insurance held aa collateral, . 



$181,250 00 
336,000 00 
275,000 00 



GERMANIA FIRE INSURANCE CO. 



223 



Interest due or accrued thereon, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank and with managers, 
Premiums in course of collection (gross), 
Rents due and accrued, . . . . 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$6,191 25 

2,688,200 25 

1,645 48 

101,703 33 

190,734 67 

4,789 19 



1,713,545 68 

77,506 50 



1,636,039 18 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . . . 
Less reinsurance, . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance due, .... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . 

Surplus over capital, . 



|33,531 36 
40,389 26 
13,448 49 



$87,369 11 
10,588 01 



5,781 10 

1,248,325 95 

28,699 73 

31,362 22 

76,081 78 

11,461,250 78 
13,231 20 



1,448,019 58 

. $2,188,019 60 

. 1,000,000 00 

. $1,188,019 60 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



Entire premiums collected, . . . . $1,684,430 54 

Less reinsurance and return premiums, . . 466,516 10 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



$192,020 24 
1,683,144 97 

^,875,165 21 
190,734 67 



Gross cash income, 



,217,914 44 

12,025 04 

122,993 97 



. $ 1,352,933 45 



224 



GIRARD FIRE AND MARINE INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 
Net cash paid for fire losses, . , 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$581,895 57 
74,382 67 



$507,512 90 
100,000 00 
194,521 43 

136,885 77 
25,743 36 
87,237 70 

$1,051,901 16 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total 

'Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$295,561,739 00 
193,736,796 00 



Premiums. 

$2,508,387 76 
1,683,144 97 



$489,298,535 00 
177,710,688 00 



54,191,532 73 
1,515,224 87 



$311,587,847 00 
24,790,093 00 



!,676,307 86 
262,356 00 



$286,797,754 00 $2,413,951 86 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$29,582,674 00 

14,926,186 00 

508,057 00 

2,701,000 00 

100,000 00 

186,200 00 



"GIRARD FIRE AND MARINE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1853. Commenced business May, 1853.] 

Paid-up Capital, $300,000. 

ALFRED S. GILLETT, President. EDWIN" F. MERRILL, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$72,000 00 
10,000 00 
10,000 00 



United States bonds, . 

Louisville city bonds, 

St. Louis county bonds, 

Seattle city bonds, . 

Georgia State bonds, 

Minnesota school bonds, 

Norfolk & Western Railroad, Car Trust, 



50,000 00 

25,000 00 

8,000 00 

15,000 00 



Market Value. 

f 80,640 00 

12,000 00 

12,000 00 

53,000 00 

27,437 50 

8,120 00 

15,000 00 



GIRARD FIRE AND MARINE INSURANCE CO. 



225 



Connecting Railroad bonds, 
Pennsylvania Railroad Company bonds, . 
Phila., Wilmington & Baltimore R.R. bonds, 
Pitts., Cin., Chic. & St. Louis R.R. Co. bonds, 
Pennsylvania Railroad Co. stock, 
Lehigh Coal & Navigation Co. stock, 
Lehigh Valley R.R. stock, 
Delaware Railroad Company bonds, 
Phila. & Reading Railroad bonds, . 
Lehigh Coal & Navigation Company bonds, 
North Pennsylvania Railroad bonds, 
Lehigh Valley Railroad Company bonds, 
Philadelphia & Darby Pass. Railroad stock, 
Zanesville & Ohio Railroad bonds, . 
Lower Merion Gas Company bonds, 
Holmesburg Water Company bonds, 
Hutchinson Water, Light and Power Co. b'ds 
Philadelphia Bourse stock, 
Borough Ridley Park bonds, 
Girard Fire and Marine Ins. Co., $38,080 00 



Securities held as collateral for cash loans : — 

Lehigh Valley R.R. Co. bond, . 

Notes secured by real estate, .... 



Par Value. 

$10,000 00 

10,000 00 

70,000 00 

10,000 00 

15,000 00 

5,000 00 

15,000 00 

6,000 00 

2,000 00 

11,000 00 

5,000 00 

20,000 00 

2,250 00 

10,000 00 

8,000 00 

1,000 00 

12,000 00 

1,000 00 

4,000 00 



Market Value. 

$11,150 00 

13,200 00 

72,800 00 

10,800 00 

15,600 00 

4,400 00 

10,800 00 

6,435 00 

180 00 

11,330 00 

6,200 00 

20,400 00 

1,485 00 

2,000 00 

8,166 67 

1,000 00 

9,000 00 

700 00 

4,100 00 



$407,250 00 $417,944 17 



Market Value. Loaned Thereon. 

$1,295 00 $600 00 

78,500 00 57,300 00 



$79,795 00 $57,900 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, 
Perpetual reinsurance, ete., 
Temporary mortgage loan, 
Hotel furniture, .... $2,500 00 
Gross assets, 



$307,500 00 

813,910 00 

15,837 00 

417,944 17 

57,900 00 

8,628 04 

95,347 12 

197 93 

114,927 35 

15,922 21 

815 37 

6,948 00 

800 00 



l,856,677 19 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$2,283,570 00 
378,614 00 



226 



GIRARD FIRE AND MARINE INSURANCE CO. 



Liabilities. 

Losses claimed and reported, . 
Losses disputed ox resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards polkry-holders, . 
Paid-up capital, .... 

Surplus over capital, . . 



136,236 43 
9,318 09 

$45,554 52 
1,216 49 

$44,338 03 

386,422 52 

533,267 92 

838 29 

1,572 92 

30,319 58 

11,818 57 

4,443 78 



1,013,021 61 

$843,655 58 

300,000 00 

$543,655 58 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return XDremiums, 
Net cash fire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 
Income from all other sources, 
Deposits received for perpetual fire risks, 

Gross cash income, .... 



$104,413 01 
1,940 29 



$102,472 72 
594,672 77 



$697,145 49 
130,849 56 



$566,295 93 
105.818 12 



other sources, 



$75,834 92 



,477 81 

43,696 11 

23,899 11 

4,928 10 

782 00 



|533,783 13 



Expenditures. 



Cash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, 
Cash dividends paid, 



$201,673 04 
14,103 32 



1187,569 72 
60,000 00 



glen's FALLS INSURANCE CO. 



227 



Cash paid for commissions and brokerage, .... 
for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, . $23,285 78 

Gross cash expenditures, 

Risks and Premiums. 



$88,706 08 
56,537 84 
18,284 79 
26,366 64 



Fire risks outstanding Dec. 31, 1894, . 
Fire risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount reinsured, . 

Net amount in force, . 
Perpetual risks in force (included above) 



$96,962,247 00 
51,775,657 00 

$148,737,904 00 
47,103,498 00 

$101,634,406 00 
3,209,606 00 

$98,424,800 00 
$27,000,226 00 



$437,465 07 



Premiums. 

$1,322,516 53 

594,672 77 

$1,917,189 30 
537,859 92 

$1,379,329 38 
34,766 02 

$1,344,563 36 
$592,519 91 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, . . 

Cash dividends declared from organization of company, 

Dividends declared during the year (20 per cent.) , 

Company's stock owned by directors, . 



$11,791,088 00 

4,879,233 00 

190,721 00 

1,725,196 00 

60,000 00 

33,200 00 



" GLEN'S FALLS INSURANCE COMPANY," GLEN'S FALLS, N. Y. 

[Incorporated May, 1849. Commenced business May, 1850.] 
Paid-up Capital, $200,000. 
J. L. CUNNING-HAM, President. R. A. LITTLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

N. Y. Central & Hudson River R.R. bonds, . $200,000 00 $240,000 00 

New York & Harlem Railroad bonds, . . 100,000 00 112,000 00 

Lake Shore & Michigan So. Railroad bonds, . 50,000 00 56,000 00 

Syracuse, Bing. & New York Railroad bonds, . 53,000 00 67,575 00 

Morris & Essex Railroad bonds, . . . 50,000 00 68,250 00 

West Shore Railroad bonds, .... 50,000 00 50,000 00 

Hudson River Pulp and Paper Co. bonds, . 300,000 00 300,000 00 

Georgia State bonds, 25,000 00 25,000 00 

Richmond city bonds, 11,000 00 10,230 00 

First National Bank, Glen's Falls, stock, . ; 10,000 00 20,000 00 

International Loan & Trust Company bonds, . 150,000 00 150,000 00 



228 



glen's FALLS INSURANCE CO. 



German Trust Co., Davenport, Iowa bonds, 
Glen's Falls Paper Mills Company bonds, 
Cleveland Trust Co. stock, 
Mt. Kisco National Bank stock, 



Securities held as collateral for cash loans : 
Morris & Essex R.R. bonds, . ... 

Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the of6ce of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Due for reinsurance, 

Premiums more than three mos. due, $4,123 34 

Gross assets,f 

Deduct special deposits in other States, . 



Par Value. 

$150,000 00 

240,000 00 

5,000 00 

5,000 00 



Market Value. 

$150,000 00 

240,000 00 

6,000 00 

5,000 00 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$1,399,000 00 $1,500,055 00 

Market Value. Loaned Thereon. 

$4,095 00 $4,000 00 

31, 1895. 

$44,650 00 

860,873 81 

5,481 77 

1,500,055 00 

4,000 00 

4,484 85 

129,104 40 

11,531 94 

86,477 66 

34 73 



1,646,694 16 
35,230 00 



?,611,464 16 



$9,194 80 
14,309 00 
11,085 00 

$34,588 80 
1,779 95 

$32,808 85 

857,728 80 

10,000 00 

13,578 84 

5,345 21 

$919,461 70 
10,064 17 



909,397 53 

$1,702,066 63 
200,000 00 

$1,502,066 63 



* Total value of property mortgaged, .... $1,955,150 00 
Amount of insurance held as collateral, . . . 749,678 00 

f Including $200,000 special deposit held under New York law. 



GLENS FALLS INSURANCE CO. 



229 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $73,656 91 
Same not collected, 805 91 

Net collected, $72,851 00 

Premiums on risks written or renewed, . . 972,189 84 

Total, $1,045,040 84 

Premiums now in course of collection, . . 90,601 00 

Entire premiums collected, .... $954,439 84 

Less reinsurance and return premiums, . . 148,793 03 

Net cash fire premiums received, 

Interest received on mort^a^es, 

Interest and dividends received from all other sources, 

Income from rents, 

Gross cash income, .... 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 



$387,060 74 
17,968 25 



5,646 81 

42,169 97 

90,282 19 

1,255 06 

$939,354 03 



$369,092 49 
40,000 00 
156,831 46 
60,434 36 
36,344 34 
61,876 09 

$724,578 74 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$146,814,749 00 $1,587,412 67 
88,447,232 00 972,189 84 



Total, . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$235,261,981 00 $2,559,602 51 
76,947,754 00 835,427 36 



$158,314,227 00 $1,724,175 15 
7,398,281 00 101,595 62 



$150,915,946 00 $1,622,579 53 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (20 per cent.), 

Company's stock owned by directors, . 



$14,142,866 00 
6,988,309 00 
350,055 00 
640,000 00 
40,000 00 
73,760 00 



230 



GLOBE FIRE INSURANCE CO. 



« GLOBE FIRE INSURANCE COMPANY," NEW YORK. 

[Incorporated March, 1863. Commenced business March, 1863.] 

Paid-up Capital, $200,000. 

E. C. JAMESON, President. WM. VALENTINE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 

New York City Dock bond, 
District of Columbia bonds, 
Broadway & Seventh Avenue R.R. bonds, 
Chicago & Erie R R. bonds, 
400 shares New York & Harlem R.R., 
100 " Delaware & Hudson Canal Co., 
100 " N. Y. Cent. & Hudson River R.R., 
50 " Consolidated Gas Co., 



Par Value. 

$135,000 00 
26,000 00 
25,000 00 
5,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
5,000 00 



Market Value. 

$148,500 00 

26,520 00 

28,000 00 

5,625 00 

10,700 00 

52,000 00 

12,500 00 

9,800 00 

7,400 00 



$246,000 00 $301,045 00 



Summary of Assets Dec. 31, 1895. 



st liens*), 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Gross assets, 



$24,500 00 

335 00 

301,045 00 

406 81 

20,848 60 

125 00 

60,676 29 



$407,936 70 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 



$2,141 80 

37,388 60 

1,750 00 



$41,280 40 
10,000 00 

$31,280 40 

120,010 84 

18,574 79 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$30,000 00 
20,000 00 
16,500 00 



GLOBE FIRE INSURANCE CO. 



231 



Due for reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 



$1,805 67 
10,000 00 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1894, . $35,850 66 
Premiums on risks written or renewed, . . 271,584 65 

Total, $307,435 31 

Premiums now in course of collection, . . 60,676 29 

Entire premiums collected, .... $246,759 02 
Less reinsurance and return premiums, . . 50,325 21 

Net cash fire premiums received, . . . 

Interest received on mortgages, . . 

Interest and dividends received from all other sources, . 

Gross cash income, 



Expenditures. 
Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$63,225 80 
7,380 70 



Gross cash expenditures, 



$181,671 70 

$226,265 00 
200,000 00 

$26,265 00 



$196,433 81 

882 50 

10,952 50 

$208,268 81 



$55,845 10 

56,262 45 

3,600 00 

1,380 58 

2,910 60 

$119,998 73 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, ' . 



Risks and Premiums. 

Premiums. 

,966,131 00 $150,496 83 
25,688,026 00 271,584 65 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



.$45,654,157 00 $422,081 48 
. 21,182,245 00 178,041 48 



,471,912 00 $244,040 00 
275,984 00 876 40 



. $24,195,928 00 $243,163 60 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Company's stock owned by directors, .... 



52,873,155 00 

1,451,775 00 

82,007 00 

630,000 00 

22,150 00 



232 



GRANITE STATE FIRE INSURANCE CO. 



"GRANITE STATE FIRE INSURANCE COMPANY," 
PORTSMOUTH, N. H. 

[Incorporated July 17, 1885. Commenced business Nov. 12, 1885.] 

Paid-up Capital, $200,000. 

FRANK JONES, President. ALFRED F. HOWARD, Secretary. 



Detailed Statement of Stocks 



City of Manchester, N. H., bonds, . 
Town of Harrisville, N. H., bonds, . 
Palouse City, Wash., water bonds, . 
St. Cloud Gas & Electric Co. bonds, 
Nashua Card & Glazed Paper Co. bonds 
Front St. Cable R'y Co. of Seattle, Wash., I 
Eastman Freight Car Heater Co. bonds, 
Fort Plain, N. Y., Water Co. bonds, 
Nat'l Loan & Trust Co., Kansas City, Mo., b'ds 
New Hampshire Trust Co. bonds, . 
Chippewa Falls Water Works Co. bonds 
123 shares Boston & Maine Railroad, 
1 share Worcester, Nashua & Rochester R.R. 
50 shares Wolfboro' Loan & Banking Co. 
Wolfboro', N. H., ...... 

133 shares Dover Gas Light Co., 

50 shares Intern'l Loan & Trust Co., Kan. City 



Securities held as collateral for cash loans : - 

40 shares Indian Head Natl B'k, Nashua, N. H., 
Portsmouth, Gt. Falls & Conway R.R. bonds, . 



and Bonds. 

Par Value. 

$100,000 00 
15,000 00 

4,800 00 
10,000 00 

5,000 00 
35,000 00 
26,000 00 
10,000 00 

2,500 00 
10,000 00 

9,000 00 

12,300 00 

100 00 

5,000 00 
3,325 00 
5,000 00 



Market Value. 

$106,500 00 

16,200 00 

5,520 00 

10,500 00 

5,000 00 

36,750 00 

26,000 00 

10,000 00 

2,500 00 

8,000 00 

9,000 00 

20,910 00 

120 00 

5,250 00 
3,591 00 
4,000 00 



$253,025 00 $269,841 00 



Market Value. Loaned Thereon. 

$3,335 00 
1,150 00 



$4,000 00 



t,485 00 



$4,000 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens *) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, , 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$8,700 00 

47,480 00 

797 52 

269,841 00 

4,000 00 

2,144 92 

30,435 93 

1,838 79 

50,601 83 



$415,839 99 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$63,500 00 
53,100 00 
39,825 00 



GRANITE STATE FIRE INSURANCE CO. 



233 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Return premiums, reinsurance, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 

Surplus over capital, . 



risks 



,312 41 
9,542 00 
3,500 00 



$32,354 41 
12,028 36 

$20,326 05 

156,473 94 

4,144 34 

4,514 27 

3,651 27 



$189,109 87 

$226,730 12 
200,000 00 

$26,730 12 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $65,496 13 
Premiums on risks written or renewed, . . 422,947 83 

Total, |488,443 96 

Premiums now in course of collection, . . 50,601 83 

Entire premiums collected, .... $437,842 13 
Less reinsurance and return premiums, . . 126,840 04 

Net cash fire premiums received, . . . — $311,002 09 

Interest received on mortgages, 2,407 05 

Interest and dividends received from all other sources, . . 11,444 09 

Gross cash income, ........ $324,853 23 



Expenditures. 

Cash paid for fire losses, . . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$262,894 87 
62,037 29 



$200,857 58 
12,000 00 
60,153 85 
10,680 00 
6,467 60 
26,674 26 

$316,833 29 



234 



THE GKEENWIOH INSURANCE CO. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

. 138,607,201 00 $458,329 83 
. 31,208,676 00 422,947 84 



Total, . 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



. $69,815,877 00 $881,277 67 
. 32,200,989 00 434,646 64 



$37,614,888 00 $446,631 03 
11,913,041 00 145,677 16 



. $25,701,847 00 $300,953 87 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . 

Cash dividends declared from organization of company, 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, 



$4,805,931 00 

2,166,623 00 

196,373 00 

72,000 00 

12,000 00 

123,100 00 



" THE GREENWICH INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated May 5, 1834. Commenced business Jan. 1, 1835.] 

Paid-up Capital, $200,000. 

MASON A. STONE, President. NICHOLAS W. MESEROLE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States government bonds, . . .- $36,500 00 $40,150 00 

District of Columbia bonds, .... 125,000 00 139,375 00 

Harlem River & Port Chester Railroad bonds, 10,000 00 11,500 00 

N. Y. Central & Hudson River R.R. bonds, . 60,000 00 73,500 00 

Albany & Susquehanna Railroad bonds, . . 80,000 00 94,400 00 

Oswego & Syracuse Railroad bonds, . . 53,000 00 58,300 00 

Buffalo & Erie Railroad bonds, . . . 9,500 00 10,212 50 

State of Georgia bonds, . . . . 25,000 00 25,687 50 

Rome, Watertown & Ogdensburg R R. bonds, 5,000 00 5,925 00 

Consolidated Gas Co. of New York stock, . 100,000 00 148,000 00 

Rensselaer & Saratoga Railroad stock, . . 60,000 00 108,000 00 

Valley Railroad Company stock, . . . 35,000 00 40,250 00 

National Broadway Bank stock, . . . 17,500 00 42,000 00 

Delaware & Hudson Canal Company stock, . 60,000 00 74,700 00 

New York, Lack. & Western Railroad stock, . 25,000 00 29,250 00 



$701,500 00 $901,250 00 



THE GREENWICH INSURANCE CO. 



235 



Securities held as collateral for cash loans : — 

7 shares N. Y., New Haven & Hartford R.R., 
10 shares Canada Southern Railway Co.,. 



Market Value. Loaned Thereon. 

$1,274 00 81,000 00 
480 00 400 00 



.,754 00 $1,400 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, . ■ 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than three mos. due, $32,203 83 

Gross assets, 

Deduct special deposits in other States, . 



Balance, $1,336,630 79 



$200,000 00 

1,100 00 

33 00 

901,250 00 

1,400 00 

1,225 75 

94,700 86 

30 00 

151,583 66 

21,995 02 



.,373,318 29 
36,687 50 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 

State and local taxes, 

Commissions and brokerage, . 

Return premiums, etc., 

Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, . 



$22,509 00 

151,609 48 

41,061 31 

$215,179 79 
13,685 59 

$201,494 20 

780,113 01 

931 50 

2,500 00 

24,000 00 

1,445 00 

16,494 39 



$1,026,978 10 
30,575 70 



996,402 40 

|340,228 39 
200,000 00 



, $ 140,228 39 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$6,000 00 
3,000 00 
3,000 00 



236 



THE GKEENWICH INSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, ...... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Same not collected, . . 

Net collected, 

Premiums on risks written or renewed, . 



Total,. 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . . . 



Gross cash income, 



$167,106 65 
28,531 08 



$138,575 57 
1,170,949 04 


$1,309,524 61 
201,508 92 


$1,108,015 69 
215,968 51 


$13,137 37 
980 04 


$12,157 
138,642 


33 
41 


$150,799 74 
4,273 59 


$146,526 
13,826 


15 
65 



sources, 



$892,047 18 



132,699 50 

139 16 

42,379 87 

17,125 02 

$1,084,390 73 



Expenditures. 

Cash paid for fire losses, $540,584 56 

Deduct salvage and reinsurance, . . . 56,806 05 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . $145,380 97 
Deduct salvage and reinsurance, . . . 17,342 35 

Net cash paid for marine and inland losses, . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent, 

for incidentals, .... 



$483,778 51 



128,038 62 

20,000 00 

190,931 08 

102,279 84 

14,896 04 

12,000 00 

72,445 07 



Gross cash expenditures, 



$1,024,369 16 



HANOVER FIRE INSURANCE CO. 



237 



Risks and Premiums. 



Fire risks outstanding Deo. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



$248,932,908 00 
152,991,012 00 



Premiums. 

I 1,512,536 73 
1,170,949 04 



$401,923,920 00 $2,683,485 77 
161,102,927 00 1,182,040 33 


$240,820,993 00 $1,501,445 44 
18,408,258 00 103,719 89 


$222,412,735 00 $1,397,725 55 

$1,860,145 00 $60,334 67 
33,676,054 00 138,642 4*1 


$35,536,199 00 
32,977,228 00 


$198,977 08 
117,638 90 


$2,558,971 00 
142,450 00 


$81,338 18 
4,811 60 



1,416,521 00 $76,526 58 



Miscellaneous . 



Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$16,037,598 00 

10,207,904 00 

486,317 00 

146,014 00 

2,090,000 00 

20,000 00 

79,075 00 



"HANOVER FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1852. Commenced business April, 1852.] 

Paid-tjp Capital, $1,000,000. 

I. REMSEN LANE, President. CHARLES L. ROE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 

State of Georgia coupon bonds, 

City of Richmond, Va,, bonds, . 

Kansas Pacific Railway bonds, . 

Flint & Pere Marquette Railroad bonds, 

Cincinnati & Springfield Railway bonds, 

Central Railroad Co. of New Jersey bonds, 

New York Elevated R.R. Co. bonds, 

Chicago, Milwaukee & St. Paul Railway bonds, 



Par Value. 

$98,000 00 
25,000 00 
50,000 00 
50,000 00 
30,000 00 
19,000 00 
50,000 00 
20,000 00 
20,000 00 



Market Value. 

$104,840 00 
28,300 00 
55,250 00 
37,500 00 
35,550 00 
19,950 00 
58,000 00 
21,000 00 
22,150 00 



238 



HANOVER FIRE INSURANCE CO. 



Louisville, N. A. & Chicago Railway bonds, 

Pennsylvania Company bonds, 

Flint & P&re Marquette Railroad bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

New York city bonds, .... 

New York, New Haven & Hart. R.R. certs., 

Cin., Ind., St. Louis & Chic. R'y bonds, . 

Brooklyn City R.R. bonds, 

Lehigh Valley Terminal bonds, 

Chic, Rock Island & Pacific R.R. bonds, . 
100 shares Rensselaer & Saratoga Railroad, 
240 " Rome, Watert'n & Ogdens'h R.R. 

. 220 " Chic, Burl. & Quincy Railroad, 
210 " Chic, Rock Island & Pacific R.R. 
500 " Chicago & Northwestern Railway 

1,000 " New York Cen. & Hudson R. R.R 
200 " St. Paul, Minn & Mani. R'y Co., 
350 " Chicago & Northwestern R'y Co. 
191 " Syracuse, Bing. & New York R.R. 
500 " Cleve., Cin., Chic. & St. Louis R'y 
400 " Lake Shore & Mich . Southern R'y 
75 " Metropolitan National Bank, 

1,000 " Pennsylvania R.R., 
250 " Chic, Milwaukee & St. Paul R'y 
150 " American Exchange Nat'l Bank, 
36 " Western National Bank, 
75 " Bank of America, . . . 

1,000 " Consolidated Gas Company, N. Y. 
550 " Western Union Telegraph Co., 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents and reinsurance, .... 

Gross assets, . ... 
Deduct special deposits in other States, . 
Premiums more than three mos. due, $15,881 02 



Par Value. 

|15,000 00 
36,000 00 
30,000 00 
25,000 00 

335,000 00 
50,000 00 
25,000 00 
25,000 00 
20,000 00 
20,000 00 
10,000 00 
24,000 00 
22,000 00 
21,000 00 
50,000 00 

100,000 00 

20,000 00 

35,000 00 

19,100 00 

50,000 00 

40,000 00 

7,500 00 

50,000 00 

25,000 00 

15,000 00 

3,600 00 

7,500 00 

100,000 00 
55,000 00 



Market Value. 

$15,037 50 
39,060 00 
27,900 00 
25,000 00 

335,000 00 
69,000 00 
24,875 00 
28,000 00 
22,600 00 
20,400 00 
18,200 00 
29,040 00 
16,995 00 
14,227 50 
49,750 00 
97,125 00 
23,000 00 
50,750 00 
31,515 00 
47,500 00 
56,400 00 
75 00 
52,125 00 
31,750 00 
26,100 00 
4,086 00 
24,375 00 

148,500 00 
47,300 00 



$1,597,700 00 |1,758,226 00 

31, 1895. 

|450,000 00 

22,000 00 

91 66 

1,758,226 00 

56,395 34 

55,692 77 

12,460 00 

177,493 08 

1,268 35 

12,533,627 20 

81,850 00 



Balance, $2,451,777 20 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$28,500 00 
29,500 00 
22,000 00 



HANOVER FIRE INSURANCE CO. 



239 



LlAKILITIES. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Reinsurance disallowed, . 



risks, 



Gross liabilities, except capital, 
Deduct liabilities on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



591,741 62 
92,961 01 
18,686 22 



$203,388 85 
13,709 80 

$189,679 05 

1,104,525 09 

29,777 94 

2,601 00 

5 1,326,583 08 
29,941 56 



$1,296,641 52 

$1,155,135 68 
1,000,000 00 

$155,135 68 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $175,508 19 
Same not collected, 12,155 77 

Net collected, $163,352 42 

Premiums on risks written or renewed, . . 1,811,143 98 

Total, $1,974,496 40 

Premiums now in course of collection, . . 193,374 10 

Entire premiums collected, .... $1,781,122 30 
Less reinsurance and return premiums , . . 277,259 31 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



Gross cash income, 



$1,503,862 99 

1,126 67 

69,176 58 

16,013 98 

$1,590,180 22 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$813,335 40 
90,937 59 



$722,397 81 

70,000 00 

264,375 69 

138,740 13 

34,259 29 

127,913 42 

$1,357,686 34 



240 



HARTFOKD FIRE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, . 



$193,505,433 00 
153,987,728 00 

$347,493,161 00 
145,125,819 00 

$202,367,342 00 
19,097,836 00 



Premiums. 

$2,204,226 10 
1,811,143 98 

$4,015,370 08 
1,699,253 10 

>,316,116 98 
253,237 03 



$183,269,506 00 $2,062,879 95 



Miscellaneous. 



Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company, 

Dividends declared during the year (7 per cent.), . 

Company's stock owned by directors, 



$28,866,741 00 

16,208,123 00 

758,597 00 

2,479,500 00 

70,000 00 

154,250 00 



"HARTFORD FIRE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1810. Commenced business August, 1810.] 

Paid-up Capital, $1,250,000. 

GEORGE L. CHASE, President. P. C. ROTCE, Secretary. 

Detailed Statement op Stocks and Bonds. 

Par Value. Market Value. 

iEtna National Bank, Hartford, . $31,500 00 $44,100 00 

American Nat'l Bank, Hartford, . 15,000 00 21,000 00 

Charter Oak Nat'l Bank, Hartford, 20,000 00 20,000 00 

City Bank, Hartford, . . . 16,600 00 17,430 00 

Conn. River Banking Co., Hart., . 3,000 00 4,200 00 

Conn. Trust & Safe Dep. Co., Hart., 23,000 00 39,100 00 

Farm. & Mec. Nat'l Bank, Hart., . 12,200 00 14,030 00 

First National Bank, Hartford, . 17,200 00 19,780 00 

Hartford Nat'l Bank, Hartford, . 55,600 00 80,620 00 

Mercantile Nat'l Bank, Hartford, 15,000 00 12,750 00 

Nat'l Exchange Bank, Hartford, . 2,000 00 2,600 00 

Phoenix National Bank, Hartford, 46,700 00 56,040 00 

State Bank, Hartford, . . . 10,000 00 11,000 00 

Am. Exchange Nat'l Bank, N. Y., 20,000 00 34,400 00 

Bank of America, N. Y., . . 15,000 00 50,250 00 

Bank of No. America, N. Y., . 7,000 00 10,500 00 

Imp. & Traders' Nat'l B'k, N. Y., 30,000 00 162,000 00 

Manhattan Co. Bank, N. Y., . 10,000 00 19,700 00 

Merchants' Nat'l Bank, N. Y., . 16,700 00 23,380 00 

Metropolitan Nat'l Bank, N. Y., . 22,500 00 1,500 00 



315 shares 


300 


tt 


200 


It 


166 


tt 


100 


(( 


230 


(( 


122 


cc 


172 


cc 


556 


tt 


150 


tt 


40 


(t 


467 


(C 


100 


(i 


200 


c't 


150 


It 


100 


tt 


300 


tt 


200 


tt 


334 


tt 


225 


tt 



HARTFORD FIRE INSURANCE CO. 



241 



100 shares Nat*l Bank of Commerce, N. Y., 
39 " Atlantic Nat'l Bank, Boston, 
70 " Blackstone Nat'l Bank, Boston, 
125 " Boylston Nat'l Bank, Boston, 
100 " First Nat'l Bank, Boston, 
24 " Hide & Leather Nat'l B'k, Boston, 
32 " Nat'l Bank of Commerce, Boston, 
109 " Second Nat'l Bank, Boston, . 
50 " First National Bank, Albany, 
150 " Bank of Montreal, Montreal, 
65 '* Ontario Bank, Bowmanville, 
710 " Chicago, Burl. & Quincy R R., 
770 " Chicago, Mil. & St. Paul R.R., 
700 " Chicago & Northwestern R R., 
220 " Chicago, Rock Is. & Pacific R.R , 
1,000 " Conn. & Passumpsic Rivers R.R., 
120 " Connecticut River Co., . 
20 " Connecticut River Railroad Co., 
500 " N. Y. Central & Hud River R.R. 
1,875 " N. Y., N. H. & Hartford R.R., 
500 " Northwestern Telegraph Co., 
200 " Union Pacific Railroad Co., . 
Albany & Susquehanna R.R bonds, 
Alabama State bonds, .... 
Brooklyn Wharf & Warehouse Co. bonds, 
Baltimore Belt R.R. bonds, 
Canadian Pacific R R. bonds, . 
Chicago & Western Indiana R.R. bonds, . 
Chicago & Northwestern R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Chicago & Great Western R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
City of Indianapolis Belt R.R. bonds, 
Cincinnati, Ind., St. Louis & Chic. R R. bonds 
Cincinnati, Hamilton & Dayton R.R. bonds, 
Cleveland, Columbus, Cin. & Ind. R.R bonds 
Connecticut River R.R. bonds, . 
Dayton & Michigan R.R. bonds, 
Detroit, Lansing & Northern R.R bonds, 
Dubuque, Iowa, city bonds, 
Easton & Amboy R.R. bonds, . 
Georgia State bonds, .... 

Harlem River & Port Chester R.R. bonds, 
Hartford Street Railway Co. bonds, 
Housatonic R R. certificates, 
Indianapolis & Vincennes R R. bonds, 
Iowa Falls & Sioux City R R. bonds, 
Jefferson R.R. bonds, .... 



Tar Value. 

$ 10,000 00 

3,900 00 

7,000 00 

12,500 00 

10,000 00 

2,400 00 

3,200 00 

10,900 00 

5,000 00 

30,000 00 

6,500 00 

71,000 00 

77,000 00 

70,000 00 

22,000 00 

100,000 00 

12,000 00 

2,000 00 

50.000 00 

187,500 00 
25,000 00 
20,000 00 
50,000 00 
10,000 00 

100,000 00 

100,000 00 
48,666 00 

318,000 00 
98,000 00 
61,600 00 
36,000 00 
28,000 00 
74,000 00 

120,000 00 
55,000 00 
58,000 00 
1,000 00 
59,000 00 
50,000 00 
25,000 00 

150,000 00 
25,000 00 
50,000 00 

100,000 00 

100,000 00 
32,000 00 
82,000 00 
50,000 00 



Market Value. 

$20,600 00 

4,797 00 

7,000 00 

16,250 00 

24,000 00 

2,568 00 

3,584 00 

19,729 00 

8,250 00 

66,000 00 

5,460 00 

54,315 00 

74,375 00 

78,500 00 

14,960 00 

105,000 00 

3,000 00 

5,000 00 

49,000 00 

341,250 00 

28,750 00 

1,000 00 

59,000 00 

11,000 00 

103,000 00 

100,000 00 

57,750 00 

370,910 00 

109,160 00 

64,166 00 

37,800 00 

35,840 00 

76,220 00 

129,600 00 

66,000 00 

65,560 00 

1,000 00 

64,900 00 

32,500 00 

25,000 00 

165,000 00 

26,250 00 

62,250 00 

102,000 00 

105,0( 00 

36,800 00 

102,500 00 

52,000 00 



242 



HARTFORD FIRE INSURANCE CO. 



Lake Shore & Michigan Southern R R. bonds, 

Lehigh Valley R.R. bonds, 

Lou. & Frankft &Lex. & Frankft R.R. bonds, 

Minneapolis Union R.R. bonds, 

Milwaukee & St. Paul R.R. bonds, . 

Montreal Corporation bonds, . 

Minnesota State warrants, 

Milwaukee, Lake Shore & Western R.R. bonds 

Nashville & Decatur R.R. bonds, 

New Brunswick, N. J., city bonds, . 

Northern Pacific R.R. bonds, . 

New York Central & Hudson River R.R. bonds 

New York & New England R.R. bonds, . 

N.Y., New Haven & Hartford R.R. certificates 

Pittsburg, Cincinnati & St. Louis R.R. bonds, 

Philadelphia & Reading R.R. bonds, 

Richmond, Va , City bonds, . . 

St. Paul & Northern Pacific R.R. bonds, . 

St. Louis & San Francisco R R. bonds, . . 

Topeka, Kan., Internal Imp. Sewer bonds, 

West Shore R.R. bonds, . 



Par Value. 

$100,000 00 
249,000 00 
92,000 00 
50,000 00 
63,000 00 
62,500 00 
63,300 00 
50,000 00 
50,000 00 
20,000 00 
61,000 00 
50,000 00 
50,000 00 
75,000 00 
100,000 00 
75,000 00 
52,500 00 
75,000 00 
50,000 00 
18,000 00 
100,000 00 



Market Value. 

M 22,000 00 
287,895 00 
94,760 00 
62,000 00 
69,300 00 
62,500 00 
63,300 00 
56,000 00 
56,000 00 
20,000 00 
71,370 00 
53,000 00 
60,750 00 
102,750 00 
115,500 00 
79,500 00 
52,500 00 
91,500 00 
57,000 00 
18,000 00 
107,000 00 



$4,514,466 00 $5,341,629 00 



Summary of Assets Dec. 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, 

Loans on collateral security, as per schedule, 

Cash in the oflice of the company, 

Cash deposited in bank, . 

Premiums in course of collection (gross), 

Rents due and accrued, 

Non-resident tax due, 

Gross assets, 
Deduct special deposits in other States, 



Balance, 



31, 1895. 

$385,775 60 

1,316,000 00 

24,177 22 

5,341,629 00 

9,800 00 

8,784 19 

1,079,507 76 

1,115,018 01 

820 23 

20,300 40 



),301,812 41 
239,302 80 

1,062,509 61 



Liabilities, 

Losses adjusted, unpaid, $193,381 62 

claimed and reported, .... 314,770 17 

disputed or resisted, .... 90,929 29 

Unearned premiums on outstanding risks, . 4,410,127 63 

* Value of lands mortgaged $1,000,000 00 

Value of buildings thereon, 2,209,525 00 

Amount of insurance held as collateral, . . . 850,778 00 






HARTFORD FIRE INSURANCE CO. 



243 



Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 
Premiums on risks written or renewed, . 



$167,252 70 
2,464 87 

^5,178,926 28 
196,098 50 



$4,982,827 78 

$4,079,681 83 
1,250,000 00 

$2,829,681 83 



Total, . 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, .... 

Expenditures. 

Cash paid for fire losses, $3,457,932 79 

Deduct salvage and reinsurance, . . . 173,743 68 
Net cash paid for fire losses, ... 
Cash dividends paid, ..... 
Cash paid for commissions and brokerage, 

for salaries of ofiicers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, . 

Risks and Premiums. 



$1,052,849 35 

1,746 62 

$1,051,102 73 

6,711,345 22 

$7,762,447 95 

1,115,018 01 

$6,647,429 94 

931,791 56 



sources, 



$5,715,638 38 

76,939 32 

268,830 79 

7,921 39 

$6,069,329 88 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$698,718,836 00 
507,449,955 00 

$1,206,168,791 00 
477,047,118 00 

$729,121,673 00 
14,626,107 00 



$3,284,189 11 
325,000 00 
960,377 44 
421,902 97 
107,310 18 
432,528 58 

$5,531,308 28 



Premiums. 

$8,451,240 03 
6,711,345 22 



$15,162,585 25 
6,157,591 26 



»,004,993 99 
184,738 72 



$714,495,566 00 $8,820,255 27 



244 



HOME INSTJKANCE CO. 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (26 per cent.), 
Company's stock owned by directors, .... 



$83,673,149 00 

49,763,332 00 

3,299,020 00 

8,013,100 00 

325,000 00 

181,700 00 



HOME INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April, 1853. Commenced business April 13, 1853.] 
Paid-up Capital, $3,000,000. 

WILLIAM L. BIGELOW, 



DANIEL A. HEALD, President. 



THOMAS B. GREENE, 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $275,000 00 

District of Columbia bonds, .... 1,000,000 00 

State of Georgia bonds, 25,000 00 

New York city bonds, 505,000 00 

City of Richmond, Va., bonds, ..... 50,000 00 

Topeka City, Kan., Internal Imp. bonds, . 87,540 98 

City of Council Bluffs, Iowa, Imp. bonds, . . 9,700 00 

Nebraska City, Nebraska, Imp. bonds, . . 15,000 00 

Kansas City, Kansas, Improvement bonds, . 5,000 00 

City of Greely, Col., water bonds, . . . 25,000 00 

Atchison, Kan., Improvement bonds, . . 4,000 00 

West Chicago Park warrants, .... 124,535 73 

New York, Chicago & St. Louis R.R. bonds, . 112,000 00 

New York Central & Hudson River R.R. bonds, 100,000 00 

New York & Harlem Railroad bonds, . . 100,000 00 

Valley Railway Company of Ohio bonds, . 100,000 00 

Ohio & West Virginia Railway bonds, . . 100,000 00 

Peoria, Decatur & Evansville Railway bonds, . 100,000 00 

Cleve., Col., Cincinnati & Indianapolis RR., . 100,000 00 

Louisville, New Albany & Chicago R'y bonds, 100,000 00 

West Shore Railway bonds, . . . . 100,000 00 

Albemarle & Chesapeake Canal Co bonds, , 110,000 00 

The Ann Arbor R.R. Co. bonds, . . . 215,000 00 

Jeffersonville, Madison & Indianapolis R.R , . 97,000 00 

Dunkirk, Warren & Pittsburgh R'y bonds, . 80,000 00 

Chicago, St. Paul, Minn. & Omaha R'y bonds, 50,000 00 

Alabama Central Railroad bonds, . . . 50,000 00 

Louisville, St. Louis & Texas Railway bonds, . 50,000 00 

Virginia Midland Railway bonds, . . . 50,000 00 

Standard Gas Company bonds, , . , 50,000 00 



Secretaries. 



Market Value. 

$293,425 00 

1,125,000 00 

25,000 00 

507,525 00 

50,000 00 

90,167 20 

9,700 00 

15,000 00 

5,000 00 

25,000 00 

4,000 00 

124,535 73 

114,800 00 

122,500 00 

114,000 00 

60,000 00 

121,500 00 

103,000 00 

132,000 00 

115,000 00 

104,750 00 

121,000 00 

150,500 00 

112,520 00 

91,200 00 

62,000 00 

55,500 00 

28,500 00 

49,250 00 

54,500 00 



HOME INSURANCE CO. 



245 



Des Moines Water Works Co. of Iowa bonds 
Denver Union Water Company bonds, 
Streator, 111., Aqueduct Company bonds, . 
2,000 shares Pennsylvania Railroad Co., . 

1,000 " Fort Wayne & Jackson Railroad 

1,000 " Chic, St. Paul, Minn. & Om. R'y 

1,100 " N. Y. Cent. & Hudson River R.R. 

1,000 " Rensselaer & Saratoga R.R., 

1,414 " United N. J. R.R. & Canal Co , 

4,000 " Morris & Essex Railroad, . 

1,000 " Lake Shore & Mich. South'n R'y 

500 " Standard Gas Light Co., 

400 " National Broadway Bank, . 

200 " American Ex. Natl Bank, N. Y 

200 " Mercantile National Bank, N. Y 

100 " Bank of America, N. Y., 

200 " Nat* 1 Bank of Commerce, N. Y., 

200 " Manhattan Company, N. Y , 

1,000 " Pitts., Ft, Wayne & Chicago R'y, 

500 " The Ann Arbor R.R. Co., . 

411 " N. Y. & Harlem R.R. Co., . 

56 " Standard Gas Light Co., 

200 " Merchants 1 Ex. Nat'l Bank, N. Y 

200 " Nassau Bank, 

200 " Chatham Nat'l Bank, N. Y., . 

200 " Nat'l Butch's' & Drov's' B'k, N. Y 

100 " Hanover Nat'l Bank, N. Y , . 

100 " National Bank of the Republic, 

200 " Fourth Nat'l Bank, N. Y., . 

200 " Holland Trust Company, . 

200 " Franklin Trust Co., Brooklyn, 

50 " Metropolitan Trust Company, 

60 " Long Island Loan and Trust Co 



Securities held as collateral for cash loans : — 

Seattle, Lake Shore & Eastern R.R. bonds, 
St. Joseph & Grand Island Railroad bonds, 
Spokane & Palouse Railway bonds, . 
30 shares N. Y., Susquehanna & Western R.R. 
Des Moines & Fort Dodge Railroad bonds, 
460 shares National Bank of North America, 
Albemarle & Chesapeake Canal Co. bonds, 
Denver Union Water Co. bonds, 
250 shares National Bank of the Republic, 
Des Moines & Fort Dodge Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds 
Albemarle & Chesapeake Canal Co. bond, 



Par Value. 

$50,000 00 

48,000 00 

10,000 00 

100,000 00 

100,000 00 

100,000 00 

110,000 00 

100,000 00 

141,400 00 

200,000 00 

100,000 00 

50,000 00 

10.000 00 

20,000 00 

20,000 00 

10,000 00 

20,000 00 

10,000 00 

100,000 00 

50,000 00 

20,550 00 

5,600 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

20,000 00 

5,000 00 

6,000 00 



Market Value. 

$50,000 00 

36,000 00 

10,000 00 

104,500 00 

120,000 00 

120,000 00 

106,700 00 

180,000 00 

335,825 00 

334,000 00 

141,000 00 

52,500 00 

27,000 00 

33,000 00 

34,000 00 

33,000 00 

41,400 00 

19,500 00 

165,000 00 

12,500 00 

57,540 00 

3,808 00 

11,000 00 

14,500 00 

16,250 00 

7,100 00 

30,000 00 

14,500 00 

34,000 00 

16,000 00 

46,000 00 

14,750 00 

12,600 00 



1,286,326 71 $6,220,845 93 



Market Value. Loaned Thereon. 



$2,000 00^ 

1,000 00 

3,700 00 f 

731 25 J 

32,450 00 

45,080 00 

5,500 00 

1,500 00 

36,250 00 

2,950 00 

800 00 

2,200 00 



). $6,900 00 

25,000 00 
37,800 00 

5,000 00 
25,000 00 

4,000 00 



246 



HOME INSURANCE CO. 



8 shares Morris & Essex Railroad, . 

20 shares Wheeling & Lake Erie Railroad, 

Cleveland & Canton Railroad bond, 

Houston & Texas Central Railroad bond, 

New Haven & Northampton Railroad bond, 

Chicago & Eastern Illinois bond, 

Chicago & Northwestern Railroad bond, . 

St. Paul City Railway bond, . 

Pittsburgh, Painesville & Fairport bond, 

Lake Erie & Western R.R. bond, 

10 shares Wells, Fargo & Co. Express, . 

6 " Naugatuck Railroad Company, 

2 " Chicago & Northwestern Railroad, 

7 " City Bank of New Haven, Conn., 
5 " Middletown National Bank, 

1 " National New Haven Bank, 
Southern Railway bond, .... 
Burl., Cedar Rapids & Northern R.R. bond, 
Des Moines & Fort Dodge Railroad bonds, 
Ports. & Suffolk Company of Virginia bonds, 
250 shares National Bank of the Republic, 
Minneapolis & St. Louis Railroad bond, . 
Des Moines Water Works Co. of Iowa bond, 
Denver Union Water Co. bond, 
Denver Union Water Co. bonds, 
Dakota & Great Southern Railway bond, 
37 shares Western Union Telegraph Co., 
State of Massachusetts bouds, . 
Kings County Public Drive & Parkway bonds, 
City of Allegheny, Pa., Water Works bonds, . 



Market Value. 

$668 00 

740 00 

850 00 

1,050 00 

2,200 00 

550 00 

465 00 

1,000 00 

950 00 

1,025 00 

950 00 

1,470 00 

290 00 

840 00 

393 75 

160 00 

935 00 

1,997 50 

5,900 00 

2,500 00 

36,250 00 

950 00 

2,000 00 

1,500 00 

15,750 00 

1,030 00 

3,145 00 

125,625 00 

113,000 00 

67,200 00 



Loaned Thereon. 

$1,100 00 



10,000 00 



5,000 00 
25,000 00 

3,000 00 

10,000 00 

750 00 

2,000 00 

110,000 00 

100,000 00 

56,000 00 



$525,545 50 $426,550 00 



Summary of Assets Dec. 31, 1895.* 

Cash value of unencumbered real estate, . $1,705,895 91 

Loans on mortgage of real estate (first liensf), 463,009 13 

Interest due or accrued thereon, . . . 11,029 84 

Stocks and bonds, as per schedule, . . . 6,220,845 93 

Loans on collateral security, as per schedule, . 426,550 00 

Cash deposited in bank, 469,914 59 

Interest due and accrued, 41,156 08 



* The company holds, also, instalment premium notes to the amount of $720,686.80, which .do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre- 
miums." 

f Value of lands mortgaged, $744,510 00 

Value of buildings thereon, 487,175 00 

Amount of insurance held as collateral, .... 279,400 00 



HOME INSURANCE CO. 



247 



Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than three mos. due, $4,701 10 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, . . 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus 7 over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, ..... 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received. 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 



$809,718 83 
3,962 61 



-$10,152,082 92 
131,250 00 

$10,020,832 92 



$88,729 98 

610,775 41 

48,164 02 



$747,669 41 
175,938 00 

$571,731 41 

4,570,125 00 

3d0 00 

75,613 00 

104,869 72 

12,132 53 

£5,334,771 66 
106,512 15 



5,228,259 51 



. $4,792,573 41 
. 3,000,000 00 

. $1,792,573 41 



$786,719 04 
1,221 30 

$785,497 74 
5,972,650 28 

$6,758,148 02 
789,955 88 

$5,968,192 14 
1,236,471 58 



$4,731,720 56 



$31,980 41 
266,040 92 

$298,021 33 
28,426 66 

$269,594 67 
82,250 27 



187,344 40 



248 



HOME INSURANCE CO. 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 

Gross cash income, 



,783 35 
311,454 26 
117,297 15 

. $5,374,599 72 



Expenditures. 

Cash paid for fire losses, $< 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . — 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . — 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



:,097,986 18 
500,949 37 



,981 67 
20,836 41 



$2,597,036 81 



77,145 26 

300,150 00 

882,771 07 

399,552 86 

88,827 59 

337,650 57 

1,683,134 16 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, . , . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Total, 



$942,518,809 00 
645,277,992 00 

$1,587,796,801 00 
611,452,708 00 

$976,344,093 00 
99,306,639 00 



Premiums. 

$9,323,987 00 
5,972,650 28 

$15,296,637 28 
5,713,879 28 

$9,582,758 00 
567,626 00 



$877,037,454 00 $9,015,132 00 



$7,221,978 00 
65,887,821 00 

$73,109,799 00 
65,543,194 00 

$7,566,605 00 
1,435,787 00 



$183,031 00 
266,040 92 



$449,071 92 
257,710 92 

$191,361 00 
34,629 00 



,130,818 00 $156,732 00 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$110,963,004 00 
66,885,843 00 
2,652,032 00 
91,246 00 
9,715,000 00 
300,000 00 
187,800 00 



THE INSURANCE CO. OF NORTH AMERICA. 



249 



"PRESIDENT AND DIRECTORS OF THE INSURANCE COMPANY 
OF NORTH AMERICA," PHILADELPHIA, PA. 

[Incorporated. April 14, 1794. Commenced business 1792.] 

Paid-up Capital, $3,000,000. 

CHARLES PLATT, President. GKEVILLE E. FRYER, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States government bonds, 

Boston city bonds, 

Richmond, Va., city bonds, 

Georgia State bonds, .... 

Baltimore city bonds, .... 

Toledo city bonds, 

Cincinnati city bonds, .... 
Belgian government bonds, 
Providence city bonds, .... 
Burlington city bonds, , 
East Lincoln (111.) bonds, 
City of Montreal bonds, .... 
Western Springs, Cook Co., 111., warrants, 
City of Chicago warrants, 
Pennsylvania Railroad bonds, . 
Philadelphia & Reading Railroad bonds,. 
North Pennsylvania Railroad bonds, 
Belvidere & Delaware Railroad bonds, . 
Pennsylvania & N. Y. Canal & R.R. bonds, 
Lehigh Valley Railroad bonds, 
Delaware Division Canal bonds, 

French rentes, 

Brooklyn Wharf & Warehouse Co. bonds, 
Baltimore & Potomac R.R. bonds, . 
Lehigh Coal and Navigation Company, . 
Easton & Amboy Railroad Company, 
Philadelphia & Erie Railroad, . . 
Chicago & Western Indiana Railroad bonds, 
Northern Central Railway bonds, . 
Pitts., McKeesp't & Youghiogheny Kailroad, 
Lehigh Valley Railroad bonds, 
The Belt R.R. and Stock Yard Company b'ds 
Bergen County Railroad bonds, 
Car Trust of New York bonds, 
New York & Long Branch Railroad bonds, 
100 shares Philadelphia National Bank, . 
40 " Philadelphia Bourse, 
228 " Chesapeake and Del. Canal Co., 
Atlantic Mutual Insurance scrip, 
Philadelphia & Baltimore Central Railroad, 



Par Value. 

$70,000 00 

112,000 00 
53,000 00 
25,000 00 

200,000 00 
1,000 00 
28,000 00 
49,000 00 
25,000 00 
12,000 00 
10,000 00 

111,000 00 
10,015 38 
13,400 00 

430,000 00 

350,000 00 
80,000 00 
50,000 00 
30,000 00 

200,000 00 

15,000 00 

5,800 00 

30,000 00 

5,000 00 

5,000 00 

100,000 00 

150,000 00 
84,000 00 
19,000 00 
50,000 00 
20,000 00 
50,000 00 
50,000 00 
31,000 00 

150,000 00 

10,000 00 

2,000 00 

11.400 00 

4,155 00 

100,000 00 



Market Value. 

|78,750 00 

120,960 00 
53,000 00 
28,000 00 

200,000 00 
1,060 00 
31,640 00 
49,000 00 
26,500 00 
12,240 00 
10,000 00 

111,000 00 
10,015 38 
13,400 00 

504,100 00 

434,000 00 
98,100 00 
54,000 00 
36,900 00 

250,000 00 

14,250 00 

5,800 00 

30,900 00 

6,150 00 

6,600 00 

109,000 00 

177,000 00 
89,010 00 
22,230 00 
62,500 00 
20,000 00 
50,000 00 
50,000 00 
31,000 00 

166,500 00 

19,000 00 

1,480 00 

250 00 

4,155 00 

105,000 00 



250 



THE INSURANCE CO. OF NORTH AMERICA. 



Delaware & Chesapeake Railroad bonds, 

Stenbenville & Indiana Railroad bonds, . 

Corning, Cowanesque & A. R.R. bonds, . 

New York, Lake Erie & Western R.R. bonds, 

Terre Haute & Logansport R.R. bonds, . 

Texas & Pacific Railway bonds, 

Louisville & Nashville Railroad, 

Lehigh Coal & Navigation Co. bonds, 

New York, West Shore & Buffalo R.R. bonds, 

San Antonio & Aransas Pass. Railway bonds, 

Wrecking Boat " North America " bonds, 

Canada & Atlantic Railroad bonds, . 

Jefferson Railroad bonds, .... 

McKeesport & Belle Vernon Railroad bonds, 

Penn. & New York Canal and R.R. bonds, 

Baltimore Belt Railroad bonds, 

Elizabeth Railroad of Austria bonds, 

Tioga Railroad bonds, 

Philadelphia & Reading Railroad bonds, 

Lehigh Valley R.R. bonds, . . - . 

Cincinnati, Hamilton & Dayton R.R. bonds, 

Camden & Atlantic bonds, 

Northern Pacific Railroad bonds, . . . 

Cleveland, Lorain & Wheeling R.R. bonds, 

Prospect Brewing Co. bonds, . 

City of Columbus (O.) bonds, . 

City of Portland (Ore.) bonds, 

Northern Central R'y bonds, . 

International Navigation Co. bonds, 

1,000 shares Company's own stock, $23,000 00 



Par Value. 

$100,000 00 

200,000 00 

15,000 00 

231,000 00 

50,000 00 

14,000 00 

66,000 00 

50,000 00 

25,000 00 

21,000 00 

35,000 00 

20,000 00 

30,000 00 

20,000 00 

50,000 00 

30,000 00 

40,000 00 

5,000 00 

100,000 00 

140,000 00 

50,000 00 

50,000 00 

• 4,000 00 

50,000 00 

25,000 00 

25,000 00 

50,000 00 

10,000 00 

50,000 00 



Securities held as collateral for cash loans : — 

Union & Logansport R.R. bond, 

50 shares Cambria Iron Co., .... 

30 " Philadelphia Mortgage Co., 

50 " Penn. Co. for Insurance on Lives, 



Market Value. 

$95,000 00 

222,000 00 

15,000 00 

248,100 00 

53,000 00 

15,260 00 

76,560 CO 

52,500 00 

26,000 00 

12,600 00 

35,000 00 

15,000 00 

31,500 00 

25,000 00 

47,000 00 

30,000 00 

40,000 00 

5,250 00 

104,500 00 

147,800 00 

53,500 00 

52,500 00 

4,040 00 

54,500 00 

25,000 00 

26,000 00 

56,500 00 

11,000 00 

52,000 00 



:,307,770 38 $4,725,630 38 



Market Value. Loaned Thereon. 



>,400 00 



$1,100 00 

2,200 00 

2,250 00 1,000 00 

24,300 00 10,000 00 



$29,850 00 $13,400 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $401,205 62 

Loans on mortgage of real estate (first liens*), 2,454,733 76 

Interest due or accrued thereon, . . . 40,473 66 

Stocks and bonds, as per schedule, . . . 4,725,630 38 

Loans on collateral security, as per schedule, . 13,400 00 



* Total value of property mortgaged, . 
Amount of insurance held ae collateral, 



£6,273,427 00 
2,284,815 00 



THE INSURANCE CO. OF NORTH AMERICA. 



251 



Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Reinsurance clue, 

Bills receivable, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reelaimable on perpetual fire policies, . 
Commissions and brokerage, . 

Reinsurance, 

Bills payable, ...... 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 



$759,025 96 

866,013 63 

65,661 74 

21,112 26 

153,906 59 



) ,501, 763 60 
248,500 00 

>,253,263 60 



),330 12 
506,518 04 
50,654 60 

$637,502 76 
184,424 18 

$453,078 58 

3,243,986 71 

779,739 28 

35,000 00 

35,199 54 

2,865 07 

13,060 08 

$4,562,929 26 
129,786 72 



- 4,433,142 54 

. $4,820,121 06 
. 3,000,000 00 

. $1,820,121 06 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash marine premiums received, 



$638,972 42 
4,847,567 02 

^5,486,539 44 
625,892 63 



$4,860,646 81 
835,282 32 

$389,298 34 
2,167,175 46 

$2,556,473 80 
305,782 74 

$2,250,691 06 
635,135 53 



$4,025,364 49 



1,615,555 53 



252 



THE INSURANCE CO. OF NORTH AMERICA. 



sources, 



$22,245 82 



Interest received on mortgages, 

Interest and dividends received from all other 

Income from perpetual deposits, 

Deposits received for perpetual fire risks, 

Gross cash income, . 

Expenditures. 

Cash paid for fire losses, $2,206,241 09 

Deduct salvage and reinsurance, . . . 66,686 89 

Net cash paid for fire losses, 

Cash paid for marine and inland losses, . . $2,858,873 10 

Deduct salvage and reinsurance, . . . 1,092,352 11 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . 
Deposits returned on perpetual fire risks, . $14,129 35 

Gross cash expenditures, . 

Hisks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 
Perpetual risks in force (not included 
above), 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 



$602,790,647 00 
609,695,358 00 



$147,994 00 

227,977 26 

8,116 47 



1,025,007 75 



!,139,554 20 



1,766,520 99 
360,000 00 

1,001,120 15 
287,978 73 
117,263 74 
335,390 48 

$6,007,828 29 

Premiums. 

^5,707,070 98 
4,847,567 02 



.,212,486,005 00 $10,554,638 00 
573,501,639 00 4,530,005 50 



538,984,366 00 
13,245,830 00 



>,024,632 50 
124,462 39 



$625,738,536 00 $5,900,170 11 
$33,899,459 00 $856,445 82 



$21,663,710 00 
373,366,976 00 

$395,030,686 00 
353,030,686 00 



$367,117 53 
2,167,175 46 



^2,534,292 99 
2,282,292 99 



$42,000,000 00 $252,000 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the 3~ear, .... 

Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (12 per cent.), . 
Company's stock owned by directors, .... 



$121,222,246 00 

85,345,523 00 

2,157,728 00 

1,828,521 00 

13,293,934 00 

360,000 00 

260,000 00 



INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 253 



"INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA," 

PHILADELPHIA, PA. 

[Incorporated April 18, 1794. Commenced business Nov. 5, 1794.] 
Paid-up Capital, $200,000. 
GEO. G. CROWELL, President. A. B. EARLE, Secretary. 



Detailed Statement of Stocks 



20 shares Philadelphia National Bank, . 
Harrisburg, P. L. & Mt. Joy Railroad bonds, 
Car Trust of New York bonds, 
Chicago & W. Indiana Railroad bonds, . 
Corning, Cowanesque & Antrim R.R. bonds, 
Sharaokin, Sunbury & L. Railroad bonds, 
Terre Haute & Logansport Railroad bonds, 
Steubenville & Indiana Railroad bonds, . 
Long Dock Company bonds, 
Pittsburgh Junction Railroad Company bonds 
St. Paul & Northern Pacific Railroad bonds, 
Sunbury, H. & Wilkesbarre Railroad bonds, 
Northern Central Railroad bonds, . 
City of Quincy bonds, .... 
Wabash Railroad Company bonds, . 
Syracuse, Geneva & Cor. Railroad bonds, 



and Bonds. 

Par Value. 

$2,000 00 
15,000 00 

5,000 00 
10,000 00 

2,000 00 
10,000 00 
20,000 00 
30,000 00 
10,000 00 
10,000 00 
10,000 00 

4,000 00 
10,000 00 
10,000 00 
14,000 00 

7,000 00 



Market Value. 

$3,800 00 

16,050 00 

5,300 00 

12,650 00 

2,100 00 

10,200 00 

21,000 00 

33,000 00 

13,250 00 

13,000 00 

12,012 50 

4,253 33 

10,700 00 

10,500 00 

10,080 00 

7,525 00 



$169,000 00 $185,420 83 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $336,865 38 

Loans on mortgage of real estate (first liens *), 66,250 00 

Interest due or accrued thereon, . . . 2,761 91 

Stocks and bonds, as per schedule, . . . 185,420 83 

Cash in the office of the company, . . . 1,088 21 

Cash deposited in bank and with managers, . 75,469 45 

Interest due and accrued, 250 00 

Premiums in course of collection (gross), . 51,813 67 

Notes taken for marine risks, .... 1,963 25 

Rents clue and accrued, 8,540 73 

Reinsurance, etc, 19,972 47 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, . . . v . . $2,175 67 

Losses claimed and reported, .... 19,818 08 

Unearned premiums on outstanding risks, . 182,083 90 

Reclaimable on perpetual fire policies, . . 203,322 42 



$750,395 90 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$130,000 00 
39,300 00 



254 INSURANCE CO. OF THE STATE OF PENNSYLVANIA. 



Due for borrowed money, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 



Surplus over capital, 



Income. 



$45,000 00 
7,772 05 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 

Income from rents, 

Income from incidentals, 

Deposits received for perpetual fire risks, . $ 12,063 75 



$44,308 64 
389,664 76 

$433,973 40 
51,813 67 

$382,159 73 
94,317 57 



$460,172 12 

$290,223 78 
200,000 00 



,223 78 



$287,842 16 

3,070 17 

7,738 13 

9,189 97 

529 80 



Gross cash income, $308,370 23 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, . . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$222,557 25 
34,380 69 



$188,176 56 
10,000 00 
74,410 21 
15,307 96 
3,522 30 
19,285 33 

$310,702 36 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

,347,995 00 $476,086 09 
29,615,904 00 389,664 76 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, 



$67,963,899 00 $865,750 85 
34,030,832 00 428,177 38 



$33,933,067 00 $437,573 47 
5,209,969 00 55,899 23 



$28,723,098 00 $381,674 24 



Perpetual risks in force (not included above), $6,904,134 00 $225,913 79 



lumbermen's INSURANCE CO. 



255 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (5 }Der cent.), 
Company's stock owned by directors, .... 



$20,969,305 00 

16,618,090 00 

176,571 00 

4,271,406 00 

10,(K)0 00 

28,100 00 



"LUMBERMEN'S INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated June 2, 1873. Commenced business Dec 11, 1873.] 

Paid-up Capital, $250,000. 

LEWIS DAVIS, President. OLIVER H. HILL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Susquehanna Coal Co. bonds, .... $12,000 00 $13,800 00 

Shamokin Valley &PottsvilleRR. bonds, . 7,000 00 8,120 00 

Pleasantville & Ocean City R R. bonds, . . 10,000 00 10,300 00 

Steubenville & Indiana R R. bonds, . . . 15,000 00 16,800 00 

Richmond & Danville R.R. bonds, . . . 5,000 00 6,000 00 

Philadelphia & Reading R.R. bonds, . . 5,000 00 4,300 00 

Summit Branch R.R. bonds, .... 10,000 00 10,350 00 

Camden & Atlantic R.R. bonds, . . . 10,000 00 10,750 00 

Mortgage Trust Co. of Pa. bonds, . . . 5,000 00 5,020 00 

Lehigh Valley R.R. bonds, .... 10,000 00 13,500 00 

Car Trust of New York bonds, . . . 6,000 00 6,120 00 

Northern Pacific R.R. bonds, .... 1,000 00 1,020 00 

Grand Rapids & Indiana R.R. bonds, . . 10,000 00 . 2,500 00 

West Jersey R.R. bonds, 3,000 00 3,360 00 

Chicago, St. Louis & Pittsburg R.R. bonds, . 10,000 00 11,700 00 

Mortgage Trust Co. of Pa., .... 10,000 00 10,250 00 

Master Builders 1 Exchange bonds, . . . 10,000 00 10,125 00 

Car Trust of New York bonds, . . . 9,000 00 8,550 00 

West Jersey R.R. bonds, 26,000.00. 29,900 00 

Sunbury, Hazleton & Wilkesbarre R R b'ds, . 8,000 00 8,480 00 

Shamokin, Sunbury & Lewisburg R.R. bonds, . 10,000 00 10,300 00 

Pennsylvania Steel Co. bonds, .... 10,000 00 10,300 00 

Lehigh Valley R.R. bonds, .... 10,000 00 12,600 00 

Texas & Pacific RR, bonds, . . . . 11,000 00 8,965 00 

Ohio River R.R. bonds, 5,000 00 5,000 00 

Lehigh Valley R.R. bonds, .... 8,000 00 8,240 00 

Cincinnati, Rich. & Ft. Wayne R.R. bonds, . 30,000 00 35,100 00 

Cambria & Clearfield R.R. bonds, . . . 12,000 00 12,600 00 

Duluth Street Railway Co. bonds, . . . 20,000 00 20,500 00 

St. Louis Merchants Bridge Co. bonds, . . 20,000 00 21,100 00 

Minneapolis General Electric Co., . . '. 20,000 00 20,000 00 



256 



LUMBERMEN S INSURANCE CO. 



Electric R'y Light & Power Co., Sedalia, Mo. 

Broadway & Seventh Avenue R R. Co , . 

Hart man General Electric Co., Duluth, bonds 

Superior Water, Light & Power Co. bonds, 

St. Paul Gas Light Co. bonds, . 

Lehigh Traction Co. bonds, 

68 shares Lehigh Traction Co. stock, 

Mortgage Trust Co. of Pa. bonds, . 

Piedmont & Cumberland R.R. Co. bonds 

Syracuse & East Side R.R. bonds, . 

Detroit & Mackinac R.R. Co. bonds, 

Grand Rapids Gas Light Co. bonds, . 

80 shares Grand Rapids Gas Light Co., , 

GVa, W'rloo, Sen. Falls & Cay. Lake Tr. Co 

20 shares G., W., S. F. & C. Lake Tract. Co., 

Passaic Lighting Co., 

50 shares Passaic Lighting Co. stock, 

10 shares Philadelphia Bourse stock, 



Securities held as collateral for cash loans : 

165 shares Minn. Title Ins and Trust Co., ") 
100 shares Belt Line Elevator Co., . . ( 
Belt Line Elevator Co., Superior, Wis , bonds, ' 

45 " 13th & 15th Sts. Pass. Railway, 
200 " Columbus & Xenia R.R., 
Pittsburgh, Cincinnati & St. Louis R.R. bonds 

84 shares Citizens 1 Passenger Railway Co., 

17 
3 
5 

15 

20 



Jefferson Fire Insurance Co , 
Pennsylvania Fire Insurance Co., 
Reliance Insurance Co., , 
Lehigh Navigation Co., . 
Western State Bank of Chicago, 



Consolidated Traction Co. of N. J. bonds, 



Par Value. 

$8,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 

6,800 00 

3,000 00 
10,000 00 
10,000 00 

5,000 00 
10,000 00 

4,000 00 
10,000 00 

2,000 00 
10,000 00 

5,000 00 
500 00 



Market Value. 

$7,600 00 

11,300 00 

10,250 00 

10,100 00 

8,900 00 

14,250 00 

1,360 00 

3,075 00 

10,600 00 

10,000 00 

3,000 00 

8,500 00 

2,000 00 

9,600 00 

400 00 

9,000 00 

1,000 00 

350 00 



f477,300 00 $176,935 00 

Market Value. Loaned Thereon. 

;,ooo oo f 12,000 oo 



5,000 00 
6,000 00 
8,000 00 
4,000 00 
1,500 00 

1,200 00 

1,000 00 
10,000 00 



10,350 00 
16,000 00 

9,280 00 
23,500 00 

2,125 00 

1,880 00 

2,000 00 
12,150 00 



$93,285 00 $18,700 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $85,400 00 

Loans on mortgage of real estate (first liens *), 425,017 52 

Interest due or accrued thereon, . . . 9,677 35 

Stocks and bonds, as per schedule, . . . 476,935 00 

Loans on collateral security, as per schedule, . 48,700 00 

Cash in the office of the company, . . . 370 75 

Cash deposited in bank, 11,110 05 



* Value of lands mortgaged, . . . 
Value of buildings thereon, . . . 
Amount of insurance held as collateral, . 



$600,500 00 
440,000 00 
389,450 00 



lumbermen's INSURANCE CO. 



257 



Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, . 

Gross assets, 



8004 80 

30,214 66 

1,906 50 



$1, 089,936 63 



LlABILITIFS. 

Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risk 
Reclaimable on perpetual fire policies, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, reinsurance, etc., 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$416 10 

18,773 00 

2,372 00 

$21,561 10 
1,065 33 

$20,495 77 
115,840 65 
228,042 52 
1,696 00 
5,177 45 
7,047 47 
3,433 82 



381,733 68 

$708,202 95 
250,000 00 



$458,202 95 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 



$23,355 30 
207,075 29 



$230,430 59 
30,214 Q6 



Entire premiums collected, .... $200,215 93 
Less reinsurance and return premiums, . . 41,699 04 

Net cash fire premiums received, . . . $158,516 89 

Interest received on mortgages, 23,576 41 

Interest and dividends received from all other sources, . . 26,697 61 
Income from rents and incidentals, . . . - . . 3,465 75 

Deposits received for perpetual fire risks, . . $9,651 65 

Gross cash income, ....... . $212,256 66 



Expenditures. 



Cash paid for fire losses, . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash dividends paid, . 



$56,369 19 
2,001 96 



$54,367 23 
25,000 00 



258 



THE MECHANICS' INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, ..... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



1,130 25 



$34,988 22 

12,060 00 

5,374 87 

10,156 94 



141,947 26 



Risks and Premiums. 



.|19,400,928 00 
. 21,082,715 00 

.$40,483,643 00 
. 18,069,289 00 



Premiums. 

$225,666 85 
207,075 29 



$432,742 14 
192,998 54 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of }'ear, 
Deduct amount reinsured, 

Net amount in force, . • . . • . .$21,046,486 00 $225,419 96 

Perpetual risks in force (not included above), $9,232,418 00 $253,380 57 



. $22,414,354 00 
. 1,367,868 00 



$239,74& 60 
14,323 64 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent), 
Company's stock owned by directors, .... 



^,815,674 00 

928,804 00 

60,236 00 

313,000 00 

25,000 00 

75,300 00 



" THE MECHANICS' INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 13, 1854. Commenced business May 4, 1854.] 

Paid-up Capital, $250,000. 
SIMON J. MARTIN, President. JOHN A. SNYDER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Phila., Wilmington & Baltimore R.R, bonds, . $5,000 00 $5,250 00 

Union Passenger Railway bonds, . . . 20,000 00 22,< 00 00 

Lombard & South Streets Pass. Railway, . 20,000 00 20,400 00 

Steubenville & Indiana Railroad bonds, . . 25,000 00 27,500 00 

Borough of Clifton Heights, Penn., bonds, . 4,000 00 4,000 00 

Schuylkill River, East Side, Railroad bonds, . 30,000 00 32,700 00 

City of St. Louis bonds, 10,000 00 10,000 00 

Northern Pacific Terminal bonds, . . . 10,000 00 10,200 00 



THE MECHANICS INSURANCE CO. 



2.59 



North Pennsylvania Railroad bonds, 
Catawissa Railroad bonds, 
Savannah & Western Railroad bonds, 
Sunbury & Lewiston Railway Co. bonds, 
Columbus & Cincinnati Midland R.R. certs., 
Phila., Wil. & Baltimore Railroad certificates 
Phila. & Erie Railroad bonds, . 
Toledo Electric St. Pass. R'y bonds, 

United States bonds, 

Consolidated Traction Co. of New Jersey bd's 
Second Ave. Traction Co , Pittsburgh, bonds, 
Terminal R.R. Assoc , St. Louis, bonds, . 
Commonwealth of Pennsylvania bonds, . 
200 shares Fair. Park & Haddington P. R R., . 
100 " Union Passenger Railway, 
30 " 13th & 15th Streets Pass. Railway 
20 " 2d & 3d Streets Pass. Railway, 
200 " Philadelphia Traction Co., 
154 " Union Traction Co , 



Securities held as collateral for cash loans : — 

Consolidated Traction Co. of N. J. bonds, 
200 shares Northern Pacific R.R , 
366 
100 
100 
16 
100 
300 



Merchants 1 Trust Co , 

Lehigh Coal & Nav. Co , 

N. Y. & Middle Coal Field Co., 

Pennsylvania Steel Co., . 

Hannis Distilling Co., 

Philadelphia & Reading R.R. Co., 



Par Value. 

& 11,000 00 

9,000 00 

5,000 00 

3,500 00 

10,000 00 

10,000 00 

28,000 00 

10,000 00 

5,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

1,500 00 

1,000 00 

10,000 00 

770 00 



Market Value. 
$11,110 00 

9,900 00 

3,100 00 

3,535 00 

7,500 00 

10,200 00 

28,560 00 

10,000 00 

5,800 00 

7,900 00 

10,000 00 

10,000 00 

5,000 00 

11,200 00 

20,600 00 

6,750 00 

4,640 00 

13,000 00 

1,694 00 



$278,770 00 $312,539 00 

Market Value. Loaned Thereon. 

$8,100 001 

725 00 

4,575 00 

4,400 00 

2,600 00 

1,040 00 J 

13,000 00 

750 00 



} $15,000 00 



8,500 00 



,190 00 $23,500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three mos, due, $684 09 
Gross assets, 



31, 1895. 

$87,000 00 

351,105 00 

5,314 91 

312,539 00 

23,500 00 

588 31 

25,840 41 

3,939 88 

45,633 54 

168 32 



$855,629 37 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



&817.800 00 
303,100 00 



THE MECHANICS INSUEANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks 
Peclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, . 
Due for return premiums, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$9,113 55 

19,332 49 

5,750 97 

146,171 32 

219,526 98 

71 00 

10,538 69 

8,138 44 



$418,643 44 

$436,985 93 
250,000 00 



. $186,985 93 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from transfers and surveys, 
Deposits received for perpetual fire risks, 

Gross cash income, .... 



f45,552 34 

298,294 32 

$343,846 66 

46,317 63 

$297,529 03 

55,385 47 



sources, 



$16,213 90 



$242,143 56 

16,209 27 

15,916 41 

3,791 32 

306 66 



£278,367 22 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, . 

Cash paid for commissions and brokerage, 

for salaries of officers and emploj^ees, 

for State and local taxes,. 

for incidentals, .... 

for repairs on real estate, 
Deposits returned on perpetual fire risks, , 

Gross cash expenditures, .... 



13,213 87 
1,491 29 



|7,276 05 



[11,722 58 
20,010 00 
65,035 53 
11,213 99 
5,284 00 
15,406 18 
550 94 



$229,223 22 



merchants' insurance co. 



201 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$29,291,235 00 $284,873 16 
31,308,670 00 298,294 32 



Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, . 



,599,905 00 $583,167 48 
32,153,934 00 305,352 64 



$28,445,971 00 $277,814 84 



Perpetual risks in force (not included above), $10,932,306 00 $241,299 45 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of compan}', 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$2,601,808 00 

1,400,999 00 

115,662 00 

460,660 00 

20,000 00 

50,225 00 



"MERCHANTS' INSURANCE COMPANY OF NEWARK," 

NEWARK, N. J. 

[Incorporated Feb. 18, 1858. Commenced business April 18, 1858.] 

Paid-up Capital, $400,000. 

Gr. LEE STOUT, President. J. R. MULLIKIN, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, 
New Jersey Southern Railroad bonds, 
Long Branch & Sea Shore Railroad bonds, 
Midland Railroad of New Jersey bonds, . 
Newark & Bloomfield Horse Car R.R. bonds, 
Belleville & Newark Horse Car R R. bonds, 
Irvington & Newark Horse Car R R. bonds, 
American Dock and Improvement bonds, 
Long Branch school bonds, 
North Hudson County R.R. bonds, . 
Newark Gas Company bonds, . 
Newark Pass. Railroad Company bonds, 
Elizabeth City bonds, .... 
Warren Railroad Company stock, . 
United New Jersey R.R & Canal Co. stock, 
Morris & Essex R.R. stock, 
Newark Gas Company stock, . 



Tar Value. 

$25,000 00 
30,000 00 

5,000 00 

100,000 00 

10,000 00 

1,000 00 

3,000 00 
50,000 00 
10,000 00 
97,000 00 
50,000 00 
20,000 00 
50,000 00 
36,050 00 
15,000 00 
25,000 00 

8,700 00 



Market Value. 

$27,500 00 

31,200 00 

5,500 00 

115.500 00 

10,800 00 

1,100 00 

3,210 00 

55,750 00 

10,800 00 

101,365 00 

62,500 00 

21,200 00 

46,000 00 

59,482 50 

35,625 00 

41,250 00 

8,047 50 



$535,750 00 $636,830 00 



262 



MERCHANTS INSURANCE CO. 



Securities held as collateral for cash loans : — 

Market Value. Loaned Thereon. 

200 shares Morris & Essex Railroad stock, , $16,500 00 $ 6,50u 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest doe and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Reinsurance clue, ..... 
Premiums more than three mos. due, $812 09 
Gross assets, 



8302,948 25 

295,400 00 

5,630 89 

636,830 00 

6,500 00 

10,230 23 

59,961 38 

5,812 51 

127,419 37 

1,307 42 

243 89 



,452,283 94 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Unpaid scrip ordered to be redeemed, 
Interest due or accrued on scrip, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, reinsurance, etc., . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$70,391 07 
26,211 49 
20,093 99 



$116,696 55 
6,694 29 



$110,002 26 

654,913 30 

385 00 

84 52 

1,285 74 

16,316 69 

18,702 82 



801,690 33 



$650,593 61 
400,000 00 



$250,593 61 



*• Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$447,750 00 
289,600 00 
373,750 00 



MERCHANTS INSURANCE CO. 



263 



Income. 

Fire premiums outstanding Dec. SI, 1804, . $141,294 00 

Same not collected, 12,574 80 

Net collected, $128,719 20 

Premiums on risks written or renewed, . . 1,113,989 49 

Total, $1,242,708 69 

Premiums now in course of collection, . . 128,231 46 



Entire premiums collected, .... $1,114,47723 
Less reinsurance and return premiums, . . 182,034 88 

Net cash lire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, etc., 



Gross cash income, 

Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ' 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



$482,091 55 
10,488 30 



$932,442 35 
16,867 47 
30,256 58 
16,005 69 



$995,572 09 



$471,603 25 
24,000 00 

173,571 90 
45,238 69 
32,500 00 

108,670 36 



$855,584 20 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$109,470,450 00 $1,218,113 59 
. 97,901,836 00 1,113,989 49 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



$207,372,286 00 $2,332,103 08 
. 84,809,468 00 991,139 04 



$122,562,818 00 $1,340,964 04 
. 3,778,839 00 35,153 89 



18,783,979 00 $1,305,810 15 






Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



$14,400,871 00 
8,245,112 00 
479,344 00 
932,219 00 
24,000 00 
91,675 00 



2H4 



MERCHANTS INSURANCE CO. IN PROVIDENCE. 



"MERCHANTS' INSURANCE COMPANY IN PROVIDENCE," 

PROVIDENCE, R. I. 

[Incorporated May, 1851. Commenced business July, 1851.] 

Paid-up Capital, $200,000. 
W. T. BARTON, President. W. P. GOODWIN, Secretary 

Detailed Statement of Stocks and Bonds. 

Par Value 

200 shares Chicago & Northwestern R.R. Co., 



150 " New York Central Railroad Co., 
50 " Illinois Central Railroad Co., 
100 " Michigan Central Railroad Co., 
1,600 " National Bank of Commerce, 
1,000 " American National Bank, 
400 " Merchants' National Bank, 
200 " Globe National Bank, . 
500 " Providence Gas Company, 
200 " Phenix National Bank, . 
257 " Mechanics' National Bank, 
102 " Manufacturers' National Bank, 
100 " St. Paul & Dnluth Railroad, 
5 " Underwriters' Salvage Co., . 
Chicago, Burlington & Northern R.R. bonds, 
Eastern Railroad of Minnesota bonds, 
Lowell Street Railway Company bonds, . 
Minneapolis Street Railway Company bonds, 



Securities held as collateral for cash loans : — 

New Haven & Derby Railroad bonds, 
Wisconsin Central Improvement bonds, . 
13 shares Boston & Providence Railroad, 
5 shares National Bank of Commerce, . 



$20,000 00 

15,000 00 

5,000 00 

10,000 00 

80,000 00 

50,000 00 

20,000 00 

10,000 00 

25,000 00 

10,000 00 

12,850 00 

10,200 00 

10,000 00 

500 00 

10,000 00 

10,000 .00 

5,000 00 

5,000 00 



Market Value. 

$19,900 00 

14,625 00 

4,675 00 

9,550 00 

72,000 00 

45,000 00 

26,600 Oo 

11,000 00 

42,000 00 

14,600 00 

13,621 00 

14,484 00 

8,800 00 

10,300 00 

10,400 00 

5,000 00 

4,750 00 



$308,550 00 f327,305 00 

Market Value. Loaned Thereon. 

$4,400 00^ 

1,700 00 ! 

3,380 00 ! |7 ' 165 50 

225 00 J 



1,705 00 



',165 50 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Notes taken for fire risks, 

Gross assets.t ..... 



$98,800 00 

1,067 66 

327,305 00 

7,165 50 

1,527 74 

39,640 85 

1,590 36 

25,748 75 

13,324 91 



$516,170 77 



* Value of lands mortgaged, $105,000 00 

Value of buildings thereon 197,000 00 

Amount of insurance held as collateral, . . . 134,000 00 

t Including $40,000 special reserve fund held under Rhode Island law. 



MERCIL\NTS INSURANCE CO. IN PROVIDENCE. 



205 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$3,948 69 
13,936 43 

2,778 00 

189,876 76 

1,200 00 

266 49 
2,398 49 

128 99 



114,533 85 



1301,636 92 
200,000 00 



$101,636 92 



Income. 



Fire premiums outstanding Dec. 31, 1894, . $37,901 18 
Premiums on risks written or renewed, . . 319,539 22 

Total, ........ $357,440 40 

Premiums now in course of collection, . . 39,073 66 

Entire premiums collected, .... $318,366 74 
Less reinsurance and return premiums, . . 47,45185 

Net cash fire premiums received, . . . ■ $270,914 89 

Interest received on mortgages, 4,457 99 

Interest and dividends received from all other sources, . . 14,916 05 

Gross cash income, $290,288 93 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 
for salaries, rent and incidentals, 
for State and local taxes, 

Profit and loss, 



$139,699 43 
4,871 28 



$134,828 15 

12,000 00 

52,575 49 

41,531 18 

7,697 59 

1,185 90 



Gross cash expenditures, . 



$249,818 31 



266 



MICHIGAN FIRE AND MARINE INSURANCE CO. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 



Risks and Premiums. 

Premiums. 

$31,274,545 00 $376,225 57 
26,763,380 00 319,539 22 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



,037,925 00 $695,764 79 
25,757,979 00 315,927 28 



132,279,946 00 $379,837 51 
642,528 00 7,485 05 



831,637,418 00 $372,352 46 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



$7,799,060 00 

5,191,781 00 

126,543 00 

722,000 00 

12,000 00 

44,100 00 



"MICHIGAN FIRE AND MARINE INSURANCE COMPANY," 

DETROIT, MICH. 

[Incorporated February, 1881. Commenced business Marcb, 1881.] 

Paid-up Capital, $400,000. 
D. WHITNEY, Jr., President. F. H. WHITNEY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

People's Savings Bank stock, .... $5,000 00 $8,500 00 

Cheboygan County bonds, . . . . 12,500 00 12,500 00 

Detroit city bonds, 10,025 00 10,025 00 

Marquette city bonds, 32,000 00 33,600 00 



Securities held as collateral for cash loans 
Deed of real estate, ..... 



$59,525 00 $64,625 00 

Market Value. Loaned Thereon. 

$10,000 00 $3,225 60 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $52,859 27 

Loans on mortgage of real estate (first liens*), 546,038 00 

Interest due or accrued thereon, . . . 16,697 35 

Stocks and bonds, as per schedule, . . . 64,625 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$842,860 00 
573,350 00 
369,625 00 



MICHIGAN FIRE AND MARINE INSURANCE CO. 



207 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$3,225 60 
10,845 43 
45,698 27 
1,546 92 
61,470 40 
438 06 



§803,444 30 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Return >premiums and reinsurance, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$4,537 23 

11,091 75 

2,073 34 

223,792 86 

11,964 29 

4,874 24 

2,140 32 



260,474 03 



. $542,970 27 
400,000 00 



Surplus over capital, . 



$142,970 27 



Income. 

Fire premiums outstanding Dec 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Cash marine premiums received, 

Interest received on morto-asres, 

Interest and dividends received from all other 

Income from rents, .... 

Income from all other sources, 

Gross cash income, 



$49,365 08 
381,837 41 



$431,202 49 
61,908 46 



369,294 03 
75,164 16 



sources, 



$294,129 87 

1,462 67 

33,450 69 

4,778 29 

76 61 

1,655 29 



135,553 42 



Expenditures. 
Cash paid for fire losses, . . . . . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . . . . 
Cash dividends paid, , , 



$186,092 66 
9,229 61 



$176,863 05 
16,000 00 



268 



MIDDLESEX MUTUAL ASSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$58,878 34 
14,973 56 
14,703 66 
32,515 42 



$313,934 03 



Fire risks outstanding 1 Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

,908,445 00 $497,222 33 
29,930,000 00 381,837 41 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



19,838,445 00 '$879,059 74 
. 31,775,229 00 407,108 82 



.|38,063,216 00 $471,950 92 
. 2,551,043 00 29,091 90 



,512,173 00 $442,859 C2 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (4 percent.), . 
Company's stock owned by directors, . 



^5,109,341 00 

2,770,896 00 

174,489 00 

182,000 00 

16,000 00 

218,300 00 



"MIDDLESEX MUTUAL ASSURANCE COMPANY;' MIDDLE- 
TOWN, CONN.* 

[Incorporated June 2, 1836. Commenced business June 13, 1836.] 
O. VINCENT COFFIN, President. C. W. HARRIS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Middletown, Conn., town bonds, . . . $36,000 00 $36,000 00 

Portland, Conn, town bonds, .... 100,000 00 100,000 00 

Jeffersonville, Ind., city bonds, . . . 10,000 00 10,000 00 

Kvansville, Ind, city bonds, .... 5,000 00 4,500 00 

Delaware & Hudson Canal Company bonds, . 10,000 00 13,800 00 

American Water Works bonds, . . . 10,000 00 9,000 00 

Nebraska Loan & Trust Company bonds, . 81,000 00 81,000 00 

N. Y , New Haven & Hartford Railroad bonds, 15,000 00 20,250 00 

200 shares N. Y. Cent. & Hudson River R.R, . 20,000 00 19,500 00 

250 " Chic, Rock Island & Pacific R.R, . 25,000 00 16,875 00 

375 » New York, New Haven & Hart. R.R, 37,500 00 67,500 00 

200 " Chicago, Burlington &Quincy R.R, 20,000 00 15,400 00 



* A mutual company. 



MIDDLESEX MUTUAL ASSURANCE CO. 



260 



400 shares Chicago & Northwestern Railroad, 
150 " Middletown National Bank, Conn., 
40 " First Nat'l Bank, Middlet'n, Conn., 
85 " Middlesex Co. N'l Bank, Middlet'n, 
30 " Central Nat'l Bank, Middletown, . 
10 " First National Bank, Portland, 



Par Value. 

$40,000 00 
11,250 00 
4,000 00 
8,500 00 
2,250 00 
1,000 00 



Market Value. 

$18,800 00 

15,750 00 

4,160 00 

8,500 00 

2,700 00 

1,000 00 



$436,500 00 $474,735 00 



Summary of Assets Dec. 31, 1895. 

€ash value of unencumbered real estate, . $180,000 00 

Loans on mortgage of real estate (first liens*), 5,000 00 

Stocks and bonds, as per schedule, . . . 474,735 00 

Cash deposited in bank, 46,740 54 

Premiums in course of collection (gross), . 18,333 34 

Gross assets, 



$724,808 88 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
State and local taxes, 
Commissions and brokerage, . 
Reinsurance disallowed, . 
Gross liabilities, except capital, 

Surplus as regards policy -holders, 



$2,976 47 

1,500 00 

1,300 00 

160,553 03 

3,009 37 

4,583 33 

55 88 



173,978 08 



. |550,830 80 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash lire premiums received, 
Interest received on mortgages, 
Interest and dividends received from all 
Income from rents, .... 

Gross cash income, 



$14,334 18 
94,858 75 

$109,192 93 
18,333 34 



,859 59 
6,586 75 



other sources, . 






184,272 


84 


. 


300 


00 


. 


21,086 


44 


• 


12,309 


41 


. $117,968 


69 


$12,800 00 


y 




3,200 00 






650 00 







* Value of lands mortgaged, . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



270 



MILWAUKEE MECHANICS INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . . - . . . 



$52,814 03 

12,926 93 

14,149 97 

7,322 21 

12,213 35 



,426 49 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

,683,067 00 $303,026 67 
13,039,293 00 94,858 75 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



^51,722,360 00 $397,885 42 
11,473,083 00 76,667 60 



,249,277 00 $321,217 82 
8,000 00 111 75 



.$40,241,277 00 $321,106 07 



Miscellaneous. 

Losses paid from organization of company, . 
Fire losses incurred during the year, 



$844,730 00 
52,814 00 



"MILWAUKEE MECHANICS' INSURANCE COMPANY," 
MILWAUKEE, WIS. 

[Incorporated Feb. 15, 1852. Commenced business April 1, 1852.] 
Paid-up Capital, $200,000. 
CHRISTIAN PREU8SER, President. ADOLF J. CRAMER, Secretary. 



Detailed Statement of Stocks and Bonds. 



Milwaukee County bonds, 

Milwaukee city bonds, 

Brown County, Wis., bonds, 

Oshkosh City, Wis , bonds, 

La Crosse City, Wis., bonds, 

St. Paul, Minn., city bonds, 

Ramsey County, Minn., bonds, 

Mil. Underwriters' Building Asso stock, 

Sanitary Dist. of Chicago bonds, 



Tar Value. 

$23,000 00 

208,500 00 

32,000 00 

28,000 00 

35,000 00 

225,000 00 

100,000 00 

2,042 00 

50,000 00 



Market Value. 

$25,300 00 

219,940 00 

34,240 00 

29,400 00 

37,100 00 

251,500 00 

110,000 00 

2,192 20 

52,875 00 



$703,512 00 $762,547 20 



MILWAUKEE MECHANICS INSURANCE CO. 



271 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . . $45,000 00 

Loans on mortgage of real estate (first liens*), 1,130,997 65 

Interest due or accrued thereon, . . . 27,238 00 

Stocks and bonds, as per schedule, . . . 762,547 20 

Cash in the office of the company, . . . 30,879 96 

Cash deposited in bank, 96,500 34 

Interest due and accrued, 6,303 00 

Premiums in course of collection (gross), . 136,182 52 

Gross assets, 



f2,235,648 67 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$17,078 20 

48,044 00 

15,850 00 

743,120 75 

25,216 50 

44,530 55 

495 18 



894,335 18 

. $1,341,313 49 

200,000 00 

. $1,141,313 49 



Income. 

j 
Fire premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ..... 

Gross cash income, .... 



$60,829 07 
1,175,120 06 

$1,235,949 13 
136,182 52 

$1,099,766 61 
230,338 78 



sources, 



$869,427 83 

59,718 82 

27,843 99 

1,200 00 

$958,190 64 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 



$515,070 32 
47,030 29 



$468,040 03 



* Value of lands mortgaged $2,097,900 00 

Value of buildings thereon, ...... 700,000 00 

Amount of insurance held as collateral, . . . 594,800 00 



272 MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 



Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, . . . . 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



|108,169,070 00 
82,248,994 00 

$190,418,064 00 
77,253,657 00 

$113,164,407 00 
7,732,510 00 



$60,000 00 

236,125 06 

53,807 87 

31,930 59 

58,461 86 

$908,365 41 



Premiums. 

M,360,242 99 

1,175,120 06 

12,535,363 05 

1,000,475 69 

11,534,887 36 

96,708 23 



|105,431,897 00 $1,438,179 13 



Miscellaneous 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (30 per cent), 
Company's stock owned by directors, .... 



$11,363,845 00 

5,717,188 00 

486,539 00 

520,000 00 

60,000 00 

82,910, 00 



"MUTUAL FIRE INSURANCE COMPANY IN THE CITY OF 

NEW YORK," N. Y. 

[Incorporated Feb. 1, 1869. Commenced business June 19, 1882.] 

Paid-up Capital, $225,000. 

R. A. LOEWENTHAL, President. WM. A. FRANCIS, Secretary. 



Detailed Statement of Stocks 



United States bonds, .... 

District of Columbia bonds, 
Chicago, Milwaukee & St. Paul RR. bonds, 
Chicago, Rock Island & Pacific RR. bonds, 
Chicago & Northwestern Railroad bonds, 
280 sha 
117 
200 
118 
15 
100 



res Mercantile National Bank, 

Importers 1 & Traders' Natl Bank, 
Citizens 1 National Bank, . 
Columbia Bank, 
National Park Bank, 
Fire Asso. of New York, 



and Bonds. 

Par Value. 

$287,000 00 
228,500 00 
39,000 00 
38,000 Q0 
16,000 00 
28,000 00 
11,700 00 

5,000 00 
11,800 00 

1,500 00 



Market Value. 

$322,805 00 

258,205 00 

44,980 00 

46,280 00 

18,040 00 

51,800 00 

64,350 00 

7,000 00 

29,500 00 

4,275 00 

125 00 



$666,500 00 $847,360 00 



MUTUAL FIRE INSURANCE CO. IN THE CITY OF NEW YORK. 273 



Summary of Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, 



$847,360 00 
5,914 72 

77,524 25 
5,461 00 

92,743 30 



f 1,029,003 27 
45,100 00 



1983,903 27 



Liabilities. 

Losses adjusted, unpaid, $72,216 63 

Unearned premiums on outstanding risks, . 338,867 78 

Due for borrowed money, . . . . 75,000 00 

Commissions and brokerage, .... 9,400 00 

Gross liabilities, except capital, . . $495,484 41 
Deduct liability on special deposits, . . 13,124 36 

Surplus as regards policy-holders, ...... 

Paid-up capital, . . . •. . . . $225,000 00 

Scrip outstanding, not ordered to be redeemed, 323,063 00 

Impairment of scrip, 



482,360 05 



$501,543 22 



548,063 00 



$46,519 78 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, $1,079,690 37 

Premiums now in course of collection, . . 92,743 30 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash tire premiums received, 

Interest and dividends received from all sources, 



$128,572 90 
951,117 47 



|986,947 07 
270,140 96 



$716,806 11 
35,826 48 



Gross cash income, ........ $752,632 59 



Expenditures. 



Cash paid for fire losses, . 
Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 
Cash dividends paid, . . 

Interest paid scrip-holders, 



$507,033 93 
23,263 60 



$483,770 33 
21,995 54 
11,306 76 



274 



NATIONAL FIRE INSURANCE CO. 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



,839 14 
52,488 54 
17,788 85 
96,254 53 



$780,443 69 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written daring 1895, 



Risks and Premiums. 

Premiums. 

,506,856 00 $970,008 89 
84,821,740 00 951,117 47 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



1165,328,596 00 $1,921,126 36 
104,363,569 00 1,241,924 04 



,965,027 00 $679,202 32 
157,058 00 1,466 77 



,807,969 00 $677,735 55 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Company's stock owned by directors, .... 



59,174,774 00 

5,920,988 00 

417,988 00 

787,964 00 

33,302 00 

88,460 00 



"NATIONAL FIRE INSURANCE COMPANY OF HARTFORD," 

HARTFORD, CONN. 

[Incorporated Nov. 27, 1871. Commenced business Dec. 3, 1871.] 

Paid-up Capital, $1,000,000. 

JAMES NICnOLS, President. E. G-. RICHARDS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Atchison, Topeka & Santa Fe R.R. bonds, . $14,000 00 $7,940 00 

Bangor & Aroostook R R. Co. bonds, . . 25,000 00 25,000 00 

Buffalo Railway Co. bonds, * , " . . . 25,000 00 26,000 00 

Cedar Rapids, Iowa Falls & N. W. R.R. bonds, 25,000 00 26,250 00 

Chesapeake & Ohio R.R. bonds, . . . 20,000 00 17,400 00 

Chicago, Burlington & Quincy R.R. bonds, . 18,200 00 19,440 00 

Chicago & Indiana Coal Railway Co. bonds, . 25,000 00 25,500 00 

Chicago, Milwaukee & St. Paul R R. bonds, . 60,000 00 69,500 00 

Chicago & Northwestern R.R. bonds, . . 19,000 00 . 21,280 00 

Chicago & Western Indiana R.R. bonds, . 20,000 00 21,000 00 

Cincinnati, Dayton & Ironton R.R. bonds, . . 10,000 00 10,600 00 



NATIONAL FIRE INSURANCE CO. 



275 



Cincinnati, Hamilton & Dayton R.R. bonds, 
Cin., Indianapolis, St. Louis & Chic. R R. b'ds 
Cleve., Col., Cin. & Indianapolis R.R. bonds, 
Cleveland, Loraine & Wheeling R.R. bonds, 
Columbus & Hocking Valley R.R. bonds, 
Columbus, Sandusky & Hocking R.R. bonds, 
Columbus, Shawnee & Hocking R.R. bonds, 
Columbus & Toledo R.R. bonds, 
Danbury & Norwalk R.R. bonds, 
East. Tenn., Virginia & Georgia R.R. bonds, 
Erie Railway bonds, .... 

Evansville & Terre Haute R.R. bonds, 
Evansville, Terre Haute & Chicago R'y bonds 
Hannibal & St. Joseph R.R. bonds, . 
Hartford & Conn. Western R.R. bonds, . 
Houston & Texas Central R.R. bonds, 
Hunt'g'n & Broad Top Mt. R.R. and Coal Co. 
Indiana & Lake Michigan R.R. bonds, 
Kanawha & Michigan Railway Co. bonds, 
Knoxville & Ohio R.R. bonds, . 
Louisville, New Albany & Chicago R.R. bonds 
Louisville & Nashville R.R. bonds, . 
Memphis & Charleston R.R. bonds, . 
Montana Central Railway Co. bonds, 
Morgan's La. & Tex R R. & St'mship Co b'ds 
Naumkeag Street Railway bonds, 
New York, New Haven & Haf tford R.R. cert's 
Nodaway Valley Railroad bonds, 
Norfolk & Western Railroad bonds, 
Northern Pacific Railroad bonds, 
Oregon Railway & Navigation Railroad bonds 
Phila. & Reading Coal & Iron Co. bonds, 
Piedmont & Cumberland Railway Co. bonds, 
Rochester & Pittsburgh Railroad bonds, . 
Sandusky, Mansfield & Newark R.R. bonds, 
St. Paul, Minn. & Manitoba Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
St. Louis, Alton & Terre Haute Railroad bonds 
Seattle, Lake Shore & Eastern R.R. bonds, 
Toledo & Ohio Central Railway Co. bonds, 
Union Pacific R.R. bonds, .... 
Wabash Railroad Company bonds, . • 
West Chicago Street R'y Tunnel Co. bonds, 
West Va., Central & Pittsburg R'y Co. bonds 
Galveston city bonds, .... 
Georgia State bonds, . . 

Helena city bonds, . . . . 
Lincoln city bonds, ..... 



Tar Value. 

815,000 00 
35,000 00 
35,000 00 
25,000 00 
10,000 00 

3,000 00 
20,000 00 
38,000 00 
10,000 00 
30,000 00 
20,000 00 
10,000 00 
10,000 00 
50,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
20,000 00 
35,000 00 
10,000 00 
20,000 00 
20,000 00 
10,000 00 
20,000 00 
30,000 00 

6,000 00 
22,000 00 
13,000 00 
20,000 00 
12,000 00 
20,000 00 
25,000 00 
30,000 00 
10,000 00 
25,000 00 
25,000 00 
20,000 00 
65,000 00 
30,000 00 
20,000 00 
35,000 00 
50,000 00 
25,000 00 
25,000 00 
20,000 00 
12,000 00 



Market Value. 

$18,000 00 
34,300 00 
44,800 00 
26,500 00 
10,500 00 
900 00 

9,000 00 
42,480 00 
11,200 00 
31,800 00 
27,000 00 
10,000 00 
10,400 00 
59,000 00 
10,000 00 
10,600 00 
10,600 00 
10,000 00 
12,000 00 
22,800 00 
38,250 00 
12,000 00 
22,200 00 
22,800 00 
12,300 00 
20,000 00 
40,500 00 

6,120 00 
12,100 00 
13,000 00 
21,600 00 
12,000 00 
20,400 00 
29,000 00 
36,000 00 
11,600 00 
29,500 00 
25,750 00 

8,000 00 
68,200 00 
31,800 00 
21,000 00 
35,350 00 
54,000 00 
25,500 00 
27,500 00 
21,600 00 
12,240 00 



276 



NATIONAL FIRE INSURANCE CO. 



Meriden town bonds, .... 
New Britain city bonds, .... 
Richmond city bonds, .... 
Suffield & Thompsonville Bridge Co. bonds, 
United States bonds, . . 
Underwriters 1 Protective Association bonds, 
West Middle School District, Hartford, bonds 
300 shares Belt Railroad, Indianapolis, . 
200 " Cleveland & Pittsburgh Railroad, 
120 " Chicago, Burlington & QuincyR.R. 
330 " Chicago, Rock Island & Pacific R.R. 
200 " Ft. Wayne & Jackson Railroad Co. 
167 " Illinois Central Railroad, 
750 " N. Y., New Haven & Hart. R.R., 
200 " New York & Harlem Railroad, 
500 " N. Y. Central & Hudson River R.R. 
100 " Oswego & Syracuse Railroad, 
760 " Pennsylvania Railroad, . 
100 " Peoria & Bureau Valley Railroad, 
200 " Pittsburgh, Ft.Wayne & Chic. R R. 
250 " JEtn-d National Bank, 

70 " Boston National Bank, Boston, 
117 " Charter Oak National Bank, . 

50 " Central National Bank, N. Y., 

40 " City Bank, .... 
100 " Farmers and Mechanics Natl Bank 

30 " First National Bank, Meriden, 
509 " Hartford National Bank, 

50 " Mercantile National Bank, . 
100 " Metropolitan National Bank, N Y. 
300 " National Exchange, 

75 " Natl Bank of the Republic, Boston 

10 " Natl B'k of Commerce, Kansas City 
450 " Phoenix National Bank, . 

70 " St Paul National Bank, . 

25 " Second National Bank, New Haven 
100 " Thames National Bank, Norwich, 
400 " Northwestern Telegraph Company 
400 " Willimantic Linen Company, . 



Par Value. 

f 10,000 00 

6,000 00 

66,900 00 

28,000 00 

50,000 00 

1,000 00 

26,000 00 

15,000 00 

10,000 00 

12,000 00 

33,000 00 

20,000 00 

16,700 00 

75,000 00 

10,000 00 

50,000 00 

5,000 00 

38,000 00 

10,000 00 

20,000 00 

25,000 00 

7,000 00 

11,700 00 

5,000 00 

4,000 00 

10,000 00 

3,000 00 

50,900 00 

5,000 00 

3,200 00 

15,000 00 

7,500 00 

1,000 00 

45,000 00 

7,000 00 

2,500 00 

10,000 00 

20,000 00 

10,000 00 



Market Value. 

$10,000 00 

6,300 00 
71,801 00 
28,000 00 
55,000 00 

1,000 00 
26,000 00 
10,500 00 
16,000 00 

9,000 00 
21,450 00 
23,600 00 
15,330 00 
133,500 00 
26,500 00 
49,000 00 

9,750 00 
39,520 00 
16,500 00 
32,000 00 
35,000 00 

7,000 00 
10,530 00 

5,850 00 

4,000 00 
11,200 00 

3,750 00 
73,805 00 

4,000 00 

300 00 

18,000 00 

11,250 00 

1,100 00 
54,000 00 

5,600 00 

4,250 00 
14,500 00 
21,600 00 
10,000 00 



$2,047,600 00 $2,268,586 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $263,480 75 
Loans on mortgage of real estate (first liens*), 685,563 97 
Interest due or accrued thereon, . . . 16,104 34 



* Value of lands mortgaged, . 
Value of buildings thereon, . . 
Amount of insurance held as collateral, 



$1,055,250 00 
956,900 00 
587,660 00 



NATIONAL FIRE INSURANCE CO. 



277 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . . 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Return premiums, 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

- Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . . , 



$2,268,586 00 

1,031 40 

224,259 40 

401,115 88 



1,860,141 74 
127,500 00 



$3,732,641 74 



$94,213 53 
84,228 39 
32,131 77 
1,825,152 38 
66,323 66 
44,894 26 
85,511 75 

52,232,455 74 
50,633 08 



2,181,822 Q6 



. $1,550,819 08 
. 1,000,000 00 



$550,819 08 



$376,182 11 
2,907,842 38 

£3,284,024 49 
401,115 88 



},882,908 61 
504,370 09 



sources, 



$2,378,538 52 

39,519 64 

104,576 87 



$2,522,635 03 



1,451,227 95 
150,676 57 



,300,551 38 

100,000 00 

425,554 77 

178,753 93 

63,468 65 

181,908 18 

>,250,236 91 



278 



NEWARK FIRE INSURANCE CO. 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $291,543,432 00 $3,578,811 01 
Fire risks written during 1895, . . 238,662,764 00 2,907,842 38 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$530,206,196 00 $6,486,653 39 
220,923,204 00 2,674,146 13 



$309,282,992 00 $3,812,507 26 
16,229,586 00 230,446 29 



$293,053,406 00 $3,582,060 97 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



H 9,765,754 00 

10,308,903 00 

1,249,747 00 

2,077,000 00 

100,000 00 

78,900 00 



"NEWARK FIRE INSURANCE COMPANY," NEWARK, N. J. 

[Incorporated May 14, 1810. Commenced business May 14, 1810.] 

Paid-up Capital, $250,000. 

JOHN J. HENRY, President. FRANK T. McBRIDE, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . $ 40,000 00 $43,600 00 

West Shore Railroad bonds, ... . 35,000 00 36,400 00 

Orange & Newark Railroad bonds, . . . 25,000 00 28,000 00 

Essex Passenger Railroad bonds, . . . 5,000 00 5,550 00 

Morris & Essex Railroad stock, . . . 20,000 00 33,000 00 

Underwriters' Protective Asso'n bonds, . . 1,000 00 1,000 00 

Newark & South Orange Railroad bonds, . 20,000 00 20,000 00 

Newark water bonds, . . ... . 3,000 00 3,000 00 

Hoboken Land and Improvement bonds, . 25,000 00 26,000 00 

National State Bank stock, .... 15,900 00 24,645 00 

National Newark Banking Company stock, . 7,700 00 12,705 00 

Newark City National Bank stock, . . . 13,250 00 20,537 50 

Newark & Irvington H. C. R.R. bonds, . . 2,000 00 2,140 00 

Newark & Bloomfield H. C. R.R. bonds, . . 2,000 00 2,160 00 



$214,850 00 $258,737 50 



NEWARK FIRE INSURANCE CO. 



279 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (tirst liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Premiums more than three mos. due, $969 27 
Gross assets, ....... 



$51,200 00 

282,690 00 

5,062 34 

258,737 50 

1,365 53 

27,850 10 

3,095 00 

18,780 76 

155 00 

102 08 



$649,038 31 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
State and local taxes, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$9,615 69 

11,977 16 

1,965 28 

126,386 13 

6,748 00 

48 60 

3,758 40 



160,499 26 

. $488,539 05 
250,000 00 

. $238,539 05 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, ....... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, . 

Gross cash income, .... 



$19,562 55 
218 96 



$19,343 59 
197,642 51 



$216,986 10 
19,905 03 



$197,081 07 
30,770 00 



sources, 



$166,311 07 

13,143 62 

12,185 94 

1,031 16 



$192,671 79 



* Value of lands mortgaged, 
Value of buildings thereon, . ... 
Amount of insurance held as collateral, . 



460 



100 00 
100 00 



395,020 00 



280 



NEW HAMPSHIRE FIRE INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$83,919 36 
2,616 48 



$81,302 88 
25,265 10 
31,712 36 
20,329 09 
7,969 76 
12,783 45 



79,362 64 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

. $29,211,890 00 $279,543 90 
. 20,838,321 00 197,642 51 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



f 50,050,211 00 $477,186 41 
22,109,639 00 209,710 16 



$27,940,572 00 $267,476 25 
1,663,000 00 13,088 29 



,277,572 00 $254,387 96 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



54,842,792 00 

2,350,891 00 

83,341 00 

765,780 00 

25,000 00 

40,505 00 



"NEW HAMPSHIRE FIRE INSURANCE COMPANY," 
MANCHESTER, N. H. 

[Incorporated 1869. Commenced business April, 1870.] 

Paid-up Capital, $800,000. 

JOHN C FRENCH, President. GEO. E. KENDALL, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States government bonds, 
City of Topeka, Kan , bonds, . 
City of Moorhead, Minn., bonds, 
City of Lincoln, Neb , bonds, . 
City of Seattle, Wash., bonds, . 
City of Tacoma, Wash., bonds, . 



Par Value. 

$100,000 00 

2,000 00 

6,000 00 

21,000 00 

10,000 00 

25,000 00 



Market Value. 

$111,250 00 

2,000 00 

6,000 00 

21,420 00 

10,200 00 

27,000 00 



NEW HAMPSHIRE EIRE INSURANCE CO. 



281 



City of East Portland, Ore , bonds, 
City of Cleveland, O , bonds, . 
City of Columbus, O., bonds, . 
City of Ashtabula, O , bonds, . 
City of Dayton, O., bonds, 
City of Salem, Mass , bonds, 
Watertown & Rome R.R. bonds, 
Maine Central R.R. bonds, 
New York & New England R.R. bonds, 
Boston, Concord & Montreal R.R. bonds, 
Concord & Montreal R.R. bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Union Pacific R.R. " Trust," . 
Oregon Short Line R.R. bonds, . 
Chicago & West Michigan R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Montana Central R.R. bonds, . 
Lehigh Valley Terminal R'y Co. bonds, 
Hillsborough County, N. H., bonds, . 
Topeka, Kan., Water Supply Co. bonds, 
Claremont, N. H., Water Works bonds, 
Minneapolis Gas Light Co. bonds, . 
Central Loan & Land Co. bonds, 
Johnson Loan & Trust Co. bonds, . 
National Loan & Trust Co. bonds, . 
Nashua Card & Glazed Paper Co. bonds, 
Grand Forks Gas & Electric Co. bonds, 
Minneapolis General Electric Co. bonds, 
Swift & Co., Chicago, bonds, . 
Suncook Valley R.R. stock, . . ' 
N. Y. Central & Hudson River R.R. stock, 
N. Y., New Haven & Hartford R.R. stock, 
Norwich & Worcester R.R. stock, 
Pemigewasset Valley R.R stock, 
Boston & Albany R.R. stock, . 
Boston & Maine R R. stock, 
Concord & Montreal R.R. stock, 
Chicago, Burlington & Quincy R.R. stock, 
Chicago & Alton R.R. stock, 
Illinois Central R.R. stock, 
Chic , Rock Island & Pacific R.R. stock, 
Chic. June. Ry. & Union Stock Yards Co. stock 
Lake Shore & Michigan Southern R.R. stock, 
Chicago & Northwestern R.R. stock, 
Merchants 1 Nat'l B'k, Manchester, N. H , stock 
Merchants' Nat'l B"k, Kansas City, Mo., stock, 
Pemigewasset Nat'l B'k, Plymouth, N. H., stock 
Berlin National Bank, Berlin, N. H., stock, 



Par Value. 

$25,000 00 
50,000 00 
10,000 00 
10,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
20,000 00 
50,000 00 
100,000 00 
48,000 00 
10,000 00 
10,000 00 
25,000 00 
5,000 00 
25,000 00 
25,000 00 
15,000 00 
20,000 00 
5,000 00 
20,000 00 
20,000 00 
9,000 00 
10,000 00 
10,000 00 
5,000 00 
25,000 00 
25,000 00 
4,000 00 
20,000 00 
22,500 00 
3,100 00 
26,000 00 
10,000 00 
20,000 00 
20,000 0.0 
47,400 00 
10,000 GO 
30,000 00 
10,000 00 
20,000 00 
20,000 00 
25,000 00 
10,000 00 
4,500 00 
6,000 00 
2,500 00 



Market Value. 

$27,000 00 
52,000 00 
11,000 00 
10,400 00 
21,200 00 
10,200 00 
12,000 00 
10,600 00 
23,200 00 
62,000 00 
103,000 00 
50,680 00 
8,000 00 
10,000 00 
18,750 00 
5,150 00 
25,000 00 
26,750 00 
15,600 00 
20,000 00 
5,000 00 
20,800 00 
20,000 00 
5,400 00 
10,000 00 
10,000 00 
5,000 00 
25,000 00 
25,000 00 
4,800 00 
20,000 00 
40,500 00 
5,890 00 
32,500 00 
20,600 00 
35,000 00 
34,400 00 
37,920 00 
16,000 00 
28,800 00 
7,000 00 
20,400 00 
30,000 00 
26,000 00 
13,000 00 
2,700 00 
7,800 00 
2,750 00 



282 



NEW HAMPSHIRE FIRE INSURANCE CO. 



First National Bank, Peterborough, N. H., stock, 
First National Bank, Concord, N. H , stock, 
Laconia National Bank, Laconia, N. H., stock, 
Lancaster Trust Co., Lancaster, N. H., stock, 
Exeter Banking Co., Exeter, N. H., stock, 
Amoskeag Manuf. Co., Manchester, N. H., 
Manchester Mills, Manchester, N. H., stock, 
Stark Mills, Manchester, N. H., stock, 
Quincy Railroad Bridge Co. stock, . 
Pullman's Palace Car Co. stock, 
Manchester Gas Light Co. stock, 
American Express Co. stock, . 



Par Value. 

$5,000 00 

3,000 00 

2,500 00 

2,500 00 

1,000 00 

10,000 00 

30,700 00 

10,000 00 

10,000 00 

30,000 00 

1,400 00 

10,000 00 



Market Value. 

$6,750 00 

9,000 00 

2,875 00 

2,500 00 

1,000 00 

17,500 00 

30,700 00 

9,500 00 

17,000 00 

45,000 00 

8,400 00 

11,200 00 



$1,218,100 00 $1,374,085 00 



Securities held as collateral for cash loans : — 

8 shares Manchester & Lawrence R.R., 

2 shares Moline Plow Co., 

Mortgage notes guaranteed, 

300 shares Swift Refrigerator Trans Co., 

240 shares Exeter Manufacturing Co., 

Exeter Manufacturing Co. bonds, . 

Consol. Mort. of Duluth, Minn., St. R R. bonds, 

Mortgage note, ........ 



Market Value. Loaned Thereon. 



$1,800 00 

2,000 00 

7,300 00 

30,000 00 

12,000 00 

12,000 00 

20,000 00 

4,000 00 



$2,700 00 

5,700 00 

25,000 00 

10,000 00 

10,000 00 

10,000 00 

3,300 00 



,100 00 $66,700 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $44,250 00 

Loans on mortgage of real estate (first liens*), 589,476 66 

Stocks and bonds, as per schedule, . . . 1,374,085 00 

Loans on collateral security, as per schedule, 66,700 00 

Cash in the office of the company, . . . 10,727 60 

Cash deposited in bank, 89,618 07 

Premiums in course of collection (gross), . 168,061 15 

Gross assetsf, 



$2,342,918 48 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 



,832 54 
66,800 00 
10,000 00 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$830,440 00 
830,250 00 
501,550 00 



t Items of accrued interest and lease-hold interest in office building are not included in the 
footing of the assets of the company. 



NEW HAMPSHIRE FIRE INSURANCE CO. 



283 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$867,664 33 
33,612 23 



,024,909 10 



. $1,318,009 38 
800,000 00 



Surplus over capital, $518,009 38 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $125,206 21 
Premiums on risks written or renewed, . . 1,253,687 13 

Total, $1,378,893 34 

Premiums now in course of collection, . . 168,061 15 

Entire premiums collected, .... $1,210,832 19 
Less reinsurance and return premiums, . . 180,710 65 

Net cash fire premiums received, . . . $1,030,121 54 

Interest received on mortgages, 29,412 23 

Interest and dividends received from all other sources, . . 64,585 35 

Gross cash income, . . $1,124,119 12 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net ca*h paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, . . . 

Gross cash expenditures, .... 



$587,863 76 
27,098 34 



$560,765 42 
64,000 00 
207,359 59 
47,327 44 
30,050 88 
56,958 20 



,461 53 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$119,214,052 00 $1,609,876 29 
102,798,549 00 1,253,687 13 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . , , 



$222,012,601 00 $2,863,563 42 
93,676,429 00 1,132,936 27 



$128,336,172 00 $1,730,627 15 
5,329,302 00 65,005 45 



$123,006,870 00 $1,665,621 70 



284 



NEW YORK FIRE INSURANCE CO. 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent ), . 
Company's stock owned by directors, .... 



112,373,786 00 

6,652,546 00 

562,652 00 

828,000 00 

64,000 00 

254,000 00 



"NEW YORK FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 18, 1832. Commenced business Dec. 22, 1832.] 

Paid-up Capital, $200,000. 

AUGUSTUS COLSON, President. CHARLES A. HULL, Secretary, 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $50,000 00 $51,250 00 

Consolidated, stock (New York city), . . 100,000 00 95,000 00 
Brooklyn city bonds, 50,000 00 50,000 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . . 
Interest due and accrued, . . . 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, . . . 



$200,000 00 $196,250 00 

31, 1895. 

$100,000 00 

7,625 00 

190 63 

196,250 00 

72 00 

3,022 93 

2,820 11 

21,786 43 

158 70 

$331,925 80 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
All other liabilities, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$1,368 29 

520 00 

59,070 13 

2,614 37 

220 59 



66,793 38 

$265,132 42 
200,000 00 



,132 42 



* Value of lands mortgaged, 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$7,000 00 
16,500 00 
13,000 00 



NEW YORK FIRE INSURANCE CO. 



285 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



$14,621 22 
138,220 03 



Total, 

Premiums now in course of collection, 



$152,841 25 
21,786 43 



Entire premiums collected, .... $131,054 82 
Less reinsurance and return premiums, . . 22,120 84 

Ket cash fire premiums received, . . . 

Interest received on mortgages, 

Interest' and dividends received from all other sources, . 
Income from rents, ......... 



$108,933 98 

589 50 

5,883 73 

4,405 62 



Gross cash income, . « $119,812 83 



Expenditures. 

Cash paid for fire losses, ..... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$53,959 64 
111 69 



$53,847 95 

12,000 00 

10,796 94 

22,246 77 

3,397 83 

5,422 92 

$107,712 41 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 81, 1894, . $10,083,967 00 $101,309 56 

Fire risks written during 1895, . . 14,710,142 00 138,220 03 



Total,. ..... 

Deduct risks expired and terminated, 

In force at end of year, . 



$24,794,109 00 $239,529 59 
12,227,831 00 121,389 33 



$12,566,278 00 $118,140 26 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (6 per cent.), . 

Company's stock owned by directors, . , 



^5,326,449 00 

2,419,351 00 

56,236 00 

1,442,000 00 

12,000 00 

66,500 00 



286 



NIAGARA FIRE INSURANCE CO. 



"NIAGARA FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated July, 1850. Commenced business August, 1850.] 

PAro-up Capital, $500,000. 

THOMAS F. GOODRICH, President. GEORGE C. HOWE, Secretary. 



Detailed Statement of Stocks 



United States bonds, 

New York City school bonds, . 
New York City water bonds, . 
County of Essex, N. J., park bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
Morris & Essex Railway bonds, 
Lake Erie & Western Railway bonds, 
New York Elevated Railway bonds, 
Albany & Susquehanna Railway bonds, . 
Town of Lake (111.) Gas Company bonds, 
Equit. Gas Light Company of Chicago bonds 
James River Railway bonds, . 
Jersey City bonds, . ... 
Chateaugay Ore and Iron Company bonds, 
St. Paul (Minn.) Gas Light Company bonds, 
Ann Arbor Railway Company bonds, 
350 shares American Exchange Nl B'k, N. Y. 

50 
200 
200 
134 
800 

20 

90 



Western National Bank, N. Y , 

Chic, Milwaukee & St. Paul R'y, 

Chicago & Northwestern Railroad 

Delaware & Hudson Canal Co., 

Long Island Railway Co., 

Ann Arbor Railway Co., . 

New York, Lacka. & Western R'y, 



and Bonds. 

Par Value. 

$85,000 00 
200,000 00 
60,000 00 
20,000 00 
25,000 00 
21,000 00 
20,000 00 
20,000 00 
23,000 00 
20,000 00 
25,000 00 
25,000 00 
10,000 00 
25,000 00 
15,000 00 
10,000 00 
35,000 00 
5,000 00 
20,000 00 
20,000 00 
13,400 00 
40,000 00 
2,000 00 
9,000 00 



Market Value. 

$93,000 00 
204,000 00 
61,200 00 
20,600 00 
29,500 00 
29,610 00 
23,000 00 
21,700 00 
29,300 00 
21,000 00 
25,000 00 
12,500 00 
11,200 00 
16,250 00 
16,500 00 
6,800 00 
59,500 00 
5,700 00 
25,400 00 
19,900 00 
16,750 00 
33,600 00 
500 00 
10,800 00 



$748,400 00 $793,310 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $985,500 00 
Loans on mortgage of real estate (first liens*), 25,150 00 

Interest due or accrued thereon, . . . 680 00 

Stocks and bonds, as per schedule, . . . 793,310 00 

Cash in the office of the company, . . . 21,747 63 

Cash deposited in bank, 134,922 98 

Interest due and accrued, ..... 2,476 45 

Premiums in course of collection (gross), . 191,047 31 

Notes taken for marine and inland risks, . 1,685 00 



* Value of lands mortgaged, . . . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$29,800 00 
44.600 00 
S2,400 00 



NIAGARA FIRE INSURANCE CO. 



287 



Rents clue and accrued, .... 

Reinsurance, 

Gross assets,* 

Deduct special deposits in other States, . 

Balance, ... . . 



$5,217 85 
28,142 49 



$2,189,879 71 
55,000 00 

$2,131,879 71 



Liabilities. 

Losses adjusted and reported, . 

Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, ... 

Reinsurance, 

Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$221,686 19 
50,162 34 

$171,523 85 
1,175,813 62 

258 50 

30,567 56 

9,603 66 

92,939 00 



1,480,706 19 

$654,173 52 
500,000 00 

$151,173 52 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, . . . . 

Net collected, . . , . . . 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 



Total, 

Less reinsurance and return premiums, . 
Net cash marine premiums received, 
Interest received on mortgages, 
Interest and dividends received from all other 
Income from rents, . . . 

Gross cash income, .... 



$314,118 05 
1,628 64 



$312,489 41 
2,059,394 83 


$2,371,884 
191,047 


24 
31 


$2,180,836 
525,220 


93 

90 


$5,164 93 
8,693 75 


$13,858 68 
13,089 65 



$1,655,616 03 



sources, 



769 03 

1,415 00 

32,148 56 

20,984 44 



,710,933 06 



* Including $250,000 special reserve fund held under New York law. 



288 



NIAGARA FIRE INSURANCE CO. 



Expenditures 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, . 



$856,628 34 

74,912 90 

- f56,317 16 

18,306 38 



$781,715 44 



38,010 78 

50,142 50 

284,694 71 

148,839 56 

34,670 74 

118,528 75 

$1,456,602 48 



$452,514,594 00 |4,560,491 19 
172,936,936 00 1,914,064 09 



f279,577,658 00 $2,646,427 10 
40,514,358 00 435,075 99 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $251,959,125 00 $2,501,096 36 
Fire risks written during 1895, . . 200,555,469 00 2,059,394 83 

Total,. . ' . 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



$239,063,300 00 $2,211,351 11 



$1,678,304 00 
314,775 00 

$1,993,079 00 
675,972 00 

$1,317,107 00 
1,317,107 00 



,710 58 
8,693 75 



,404 33 
18,274 10 

$41,130 23 
41,130 23 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, 

Fire losses incurred during the year, 

Inland losses incurred during the year, . 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, 



$36,603,955 00 

20,262,413 00 

767,466 00 

28,156 00 

2,384,000 00 

50,000 00 

114,850 00 



NORTHWESTERN NATIONAL INSURANCE CO. 



289 



"NORTHWESTERN NATIONAL INSURANCE COMPANY OF 
MILWAUKEE, WISCONSIN," MILWAUKEE, WIS. 

[Incorporated Feb. 20, 1869. Commenced business July 1, 1869.] 

Paid-up Capital, $600,000. 

ALFRED JAME3, President. WILFORD M. PATTON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $200,000 00 $220,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 200,000 00 242,000 00 

Milwaukee, L. S. & Western R.R. bonds, . 50,000 00 62,500 00 

Milwaukee & Northern Railroad bonds, . . 50,000 00 57,500 00 

Chicago & Northwestern Railroad bonds, . 100,000 00 122,000 00 

Milwaukee city bonds, 90,000 00 90,150 00 

Chicago Sanitary District bonds, . . . 50,000 00 52,500 00 

Waukesha sewerage bonds, .... 30,000 00 31,500 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 59,500 00 

Western Adjustment & Inspec. Co. stock, . 300 00 375 00 



$820,300 00 $938,025 00 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), $773,856 67 



Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Gross assets, .... 



6,976 02 

938,025 00 

2,193 78 

142,122 03 

2,658 33 

91,020 18 



$1,956,852 01 



Liabilities. 

Losses adjusted, unpaid, $41,910 52 

claimed and reported, .... 8,288 47 

disputed or resisted, .... 8,500 00 

Total amount of losses, . . . . - . $58,698 99 

Less reinsurance, 5,103 89 

Net amount of unpaid losses, .... $53,595 10 

Unearned premiums on outstanding risks, . 770,913 45 

Commissions and brokerage, .... 22,755 04 



* Value of lands mortgaged, . 
Value of buildings tbereon, 
Amount of insurance beld as collateral, 



$1,670,980 00 

1,297,817 00 

659,100 00 



290 



NORTHWESTERN NATIONAL INSURANCE CO. 



Reinsurance, etc., .... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . 



Surplus over capital, . 



$4,906 00 
39 49 


$852,209 08 




.... 


$1,104,642 93 
600,000 00 


■ . ■ . • 


$504,642 93 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 



5,175 60 

907,986 06 



,014,161 66 
91,020 18 



$923,141 48 
153,746 08 



sources, 



$769,395 40 
44,605 12 
44,095 00 



Gross cash income, . $858,095 52 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, . 
for incidentals, 

Gross cash expenditures, .... 



$384,369 13 
34,124 92 



$350,244 21 
72,000 00 
174,111 21 
84,055 88 
16,947 02 
46,359 50 

$743,717 82 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 



Risks and Premiums. 

Premiums. 

$122,318,920 00 $1,417,760 71 
74,056,309 00 907,986 06 



Total,. . . . . . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$196,375,229 00 $2,325,746 77 
60,398,575 00 803,817 40 



$135,976,654 00 $1,521,929 37 
7,221,079 00 76,100 04 



$128,755,575 00 $1,445,829 33 



NORWALK FIRE INSURANCE CO. 



291 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire and tornado losses incurred during the year, . 
Cash dividends declared from organization of company 
Dividends declared during the year (12 per cent.), . 
Company's stock owned by directors, 



'12,186,249 00 

0,375,812 00 

356,903 00 

1,203,000 00 

72,000 00 

227,000 00 



" NORWALK FIRE INSURANCE COMPANY," NORWALK, CONN". 

[Incorporated 1860. Commenced business May, I860.] 

Paid-up Capital, $200,000. 

ARCHIBALD G-. McILWAINE, Jr., President. FERRIS E. SHAW, Secretary. 



Detailed Statement of Stocks and Bonds. 



8 shares Fairfield County National Bank, 
18 " National Bank, Norwalk, Conn., 
15 " Central National Bank, Norwalk, . 
15 " German-American Bank, N. Y., 
40 " Fourth National Bank, N. Y., . 
23 " Norwalk Gas Light Co., . 
30 " Lake Shore & Michigan South. R.R,, 
50 " N. Y., Lackawanna & Western R.R., 
33 " Chic , Rock Island & Pacific R.R., . 
65 " Chic , Milwaukee & St. Paul R.R., . 
25 " Chic, Burlington & Quincy R.R., 
Toledo, Ann Arbor & Grand Trunk R.R, bd's, 
Milwaukee, Lake Shore & Western R.R bd's, 
Chicago & Erie Railroad bonds, 
New York, Susquehanna & Western R.R. b'ds, 
Lehigh Valley Terminal bonds, 
Philadelphia & Reading Terminal bonds, 
Chesapeake & Ohio R.R. bonds, 
New York, Ontario & Western R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
West Shore Railroad bonds, 
Central Ohio bonds, . 
United States bonds, 
South Norwalk, Conn , bonds, 
Norwalk, Conn., bonds, . 
New Britain, Conn., bonds, 
Willimantic, Conn., bonds, 
New London, Conn., bonds, 



Par Value. 

$800 00 

1,800 00 

1,500 00 

1,125 00 

4,000 00 

575 00 

3,000 00 

5,000 00 

3,300 00 

6,500 00 

2,500 00 

3,000 00 

3,000 00 

10,000 00 

3,000 00 

12,000 00 

10,000 00 

7,500 00 

8,000 00 

5,000 00 

20,000 00 

9,000 00 

90,000 00 

25,000 CO 

25,030 00 

25,000 00 

20,000 00 

5,000 00 



Market Value. 

|400 00 

1,800 00 

1,500 00 

1,293 75 

7,000 00 

690 00 

4,200 00 

5,937 50 

2,178 00 

5,882 50 

1,900 00 

2,700 00 

3,960 00 

10,800 00 

3,075 00 

13,560 00 

10,500 00 

7,950 00 

8,720 00 

6,000 00 

21,300 00 

9,765 00 

93,300 00 

27,187 50 

28,156 25 

26,468 75 

21,050 00 

5,385 00 



|310,600 00 $332,659 25 



292 



NORWALK FIRE INSURANCE CO. 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 

Reinsurance, 

Gross assets, 



31, 1895. 

$332,659 25 

81 00 

25,367 48 

21,375 42 

11 50 



$379,494 65 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Reinsurance, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



$3,796 00 
4,031 10 
1,000 00 

$8,827 10 
2,522 00 

$6,305 10 
31,044 43 

798 53 
4,720 37 

744 82 



43,613 25 



$335,881 40 
200,000 00 



$135,881 40 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, . . , 

Less reinsurance and return premiums, . 
Net cash fire premiums received, 
Interest and dividends received from all sources, 
Income from sale of additional stock, 
Received for increased capital, 



$8,078 81 
59,346 83 

$67,425 64 
21,375 42 

$46,050 22 
9,471 73 



$100,000 00 
150,000 00 



$36,578 49 
4,224 23 



Gross cash income, $40,802 72 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, , 

Cash dividends paid, 

Cash paid for commissions and brokerage, 



$20,062 42 
2,249 70 



$17,812 72 
2,567 50 
8,394 89 



NORWOOD INSURANCE CO. 



293 



Cash paid for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 

Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



• 


00 
00 


$2,481 48 

194 80 

1,266 42 


5,440,737 
6,270,456 


$32,717 81 

Premiums. 

$44,950 00 
59,346 83 



$11,711,193 00 
4,131,630 00 



$104,296 83 
37,114 37 



$7,579,563 00 
739,177 00 



,182 46 
7,353 78 



1,840,386 00 $59,828 68 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, .... 

Cash dividends declared from organization of company, 

Dividends declared during the year, . 

Company's stock owned by directors, .... 



$481,476 00 

195,367 00 

18,818 00 

116,290 00 

2,567 00 

2,700 00 



"NORWOOD INSURANCE COMPANY OF NEW YORK," NEW 

YORK, N. Y. 

[Incorporated Sept. 20, 1895. Commenced business Sept. 21, 1895.] 

Paid-up Capital, $200,000. 

GEORGE S. PORTER, President. ANDREW J. ARMSTRONG, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, ..... $50,000 00 

New York City bonds, . . . . . 75,000 00 

Brooklyn city bonds, . . . . ' . 100,000 00 

Duluth & Iron Range R.R. bonds, . . . 15,000 00 

Chicago & Indiana Coal R.R. bonds, . . 10,000 00 



Market Value. 

$56,031 25 
73,601 89 

105,033 04 
15,375 00 
10,300 00 



$250,000 00 $260,341 18 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $260,341 18 

Cash in the office of the company, . . . 2,181 03 

Cash deposited in bank, 65,473 82 

Interest due and accrued, . . . . . 541 66 

Premiums in course of collection (gross), . 124,247 02 

Gross assets, . . , . L . 



$452,784 71 



294 



NORWOOD INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums, .... 

Reinsurance, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$261 50 

24,440 48 

114,516 13 

1,933 35 

20,623 26 

6,521 16 

10,061 39 

35 00 



$178,392 27 



$274,392 44 
200,000 00 



$74,392 44 



Income. 

Premiums on risks written or renewed, . . $253,051 19 
Premiums now in course of collection, . . 124,247 02 

Entire premiums collected, .... $128,804 17 
Less reinsurance and return premiums, . . 5,476 95 

Net cash fire premiums received, . . . 

Cash marine premiums received, 

Interest and dividends received from all sources, . 
Received for surplus fund, . . . . $50,000 00 

Gross cash income, 



$123,327 22 

1,649 09 

358 30 



$125,334 61 



Expenditures. 

Cash paid for fire losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 



$6,870 66 
22,349 37 

7,318 17 
881 67 

9,889 94 

$47,309 81 



Risks and Premiums. 



Fire risks written during 1895, 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks written during 1895, 
Net amount in force, . . 



Premiums. 

,744,253 00 $253,051 19 
3,407,544 00 27,053 56 



$20,336,709 00 $225,997 63 
134,103 00 801 66 



$20,202,606 00 $225,195 97 



$107,557 00 
107,557 00 



$1,649 09 
1,649 09 



ORIENT INSURANCE CO. 



205 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Company's stock owned by directors, 



|121,976 00 

6,871 00 

31,573 00 

155,125 00 



"ORIENT INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1867. Commenced business January, 1872.] 

Paid-up Capital, $500,000. 

CHARLES B. WHITING, President. JAMES U. TAINTOR, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

504 shares American Natl Bank, Hartford, . $25,200 00 $35,280 00 

122 " ^tna National Bank, Hartford, . 12,200 00 17,690 00 

130 " Charter Oak Natl Bank, Hartford, 13,000 00 11,960 00 

101: " Farm. & Mech. Nl B'k, Hartford, 10,400 00 11,856 00 

152 " Mercantile Natl Bank, Hartford, 15,200 00 12,160 00 

74 " Phoenix National Bank, Hartford, 7,400 00 8,510 00 
186 " Exchange Natl Bank, Hartford, . 9,300 00 12,090 00 
113 " City National Bank, Hartford, . 11,300 00 11,865 00 

71 " First National Bank, Hartford, . 7,100 00 7,952 00 

1,000 " Hartford Natl Bank, Hartford, . 100,000 00 115,000 00 

100 " Conn. Trust &S.D. Co. stock, Hart-., 10,000 00 17,000 00 

200 " Thames National Bank, Norwich, 20,000 00 30,000 00 

80 " First National Bank, Norwich, . 8,000 00 8,400 00 

6 " Rockville Natl Bank, Rockville, . 600 00 660 00 

75 " Metropolitan Natl B'k, New York, 7,500 00 450 00 
302 " Mechanics Natl Bank, New York, 7,550 00 14,345 00 

50 " Holland Trust Co., New York, . 5,000 00 5,000 00 

25 " Natl Ger. Am B'k, St. Paul, Minn., 2,500 00 2,000 00 

804 " N. Y., N. Haven & Hartford R.R , 80,400 00 146,328 00 

404 " Pennsylvania Railroad,. . . 20,200 00 21,008 00 

220 " N. Y., Chicago & Hartford R.R., . 22,000 00 21,560 00 

50 " Union Pacific Railroad, . . 5,000 00 212 50 

100 " Central Pacific Railroad, . . 10,000 00 1,600 00 

400 " Cleveland & Pittsburgh R.R. Co , 20,000 00 33,200 00 

220 " C, B. & Quincy Railroad, . ' . 22,000 00 16,665 00 

200 " Illinois Central Railroad, . . 20,000 00 18,800 00 

100 " Chicago, Rock Island & Pac. R.R , 10,000 00 6,675 00 

170 " Southern Railway Company, . ' 17,000 00 4,653 75 

100 " Chicago & Northwestern Railroad, 10,000 00 14,600 00 

100 " Delaware & Hudson Canal Co., . 10,000 00 12,400 00 

200 " Northwestern Telegraph Co., . 10,000 00 11,650 00 

Georgia State bonds, 25,000 00 29,250 00 

County of Coffey, Kan., bonds, . . . . 10,000 00 10,900 00 



296 



ORIENT INSURANCE CO. 



County of Dickinson, Kan., bonds, . 

County of Finney, Kan., bonds, 

County of Kidder, Dakota, bonds, . 

County of Wichita, Kan., bonds, 

County of Pierre, Washington, bonds, 

County of Glynn, Ga., bonds, . 

City of Indianapolis, Ind., bonds, 

City of Evansville, Ind , bonds, 

City of New Brunswick, N. J., bonds, 

City of Council Bluffs, Iowa, bonds, 

City of Richmond, Va., bonds, . 

City of Norfolk, Va., bonds, 

City of Sioux Falls, Dakota, bonds, . 

City of Wichita Falls, Tex., bonds, . 

City of Fort Worth, Tex., bonds, . 

Town of Thorn aston, Conn., bonds, . 

Medicine Lodge Township, Kan., bonds, . 

Bethany Township, Kan., bonds, 

Oswego Township, Kan., bonds, 

Precinct of Stanton, Neb., bonds, 

Precinct of Beaver, Neb., bonds, 

Vermont Valley R.R. Co. bonds, 

Pittsburgh, Cleveland & Toledo R.R. bonds, 

Kansas Pacific R.R. bonds, 

C, C, Cincinnati & Indianapolis R.R. bonds, 

Morris & Essex R.R. bonds, 

Chicago, Mil. & St. Paul R.R. bonds, 

Dayton & Michigan R.R. bonds, 

Terre Haute & Logansport R R bonds, . 

Chicago, Burlington & Northern R.R. bonds, 

Ohio & West Virginia R.R. bonds, . 

Columbus & Toledo R.R. bonds, 

Cincinnati, Jackson & Mackinaw R.R. bonds, 

East Tenn., Virginia & Georgia R.R. bonds, 

Southern R.R. bonds, .... 

Detroit, Lansing & Northern R.R. bonds, 

Louisville, Cin. & Lexington R.R. bonds, 

Hartford Street Railway bonds, 

Anderson, Ind , Electric St. R'y Co. bonds, 

Philadelphia & Reading R.R. Co. bonds, . 

Indiana & Lake Michigan R.R. bonds, 

Atchison, Topeka & Santa Fe R.R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

N. Y., N. H. & H. R.R. bonds, . 

Norfolk & Western R.R. bonds, 

Valley R.R. bonds, 

Baltimore Belt R.R. bonds, 

Cincinnati, Dayton & Ironton R.R. bonds, 



Par Value. 

$10,000 00 

10,000 00 

5,000 00 

4,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 

5,000 00 

24,000 00 

20,000 00 

13,000 00 

10,000 00 

10,000 00 

15,000 00 

5,000 00 

4,000 00 

5,000 00 

8,000 00 

5,000 00 

25,000 00 

10,000 00 

10,000 00 

35,000 00 

10,000 00 

20,000 00 

25,000 00 

14,000 00 

1,500 00 

3,000 00 

13,000 00 

12,000 00 

15,000 00 

6,000 00 

10,000 00 

10,000 00 

40,000 00 

10,000 00 

10,000 00 

20,000 00 

20,000 00 

5,100 00 

32,200 00 

10,000 00 

20,000 00 

20,000 00 

10,000 00 



Market Value. 

$11,000 00 

11,000 00 

5,500 00 

4,400 00 

10,800 00 

10,000 00 

20,800 00 

19,000 00 

10,700 00 

5,500 00 

30,720 00 

21,200 00 

14,560 00 

11,000 00 

10,500 00 

15,750 00 

5,000 00 

4,320 00 

5,100 00 

8,720 00 

5,450 00 

28,250 00 

11,600 00 

7,300 00 

45,100 00 

14,300 00 

25,700 00 

27,000 00 

15,680 00 

1,575 00 

3,600 00 

15,340 00 

6,240 00 

15,900 00 

5,700 00 

7,500 00 

10,400 00 

41,200 00 

10,200 00 

10,525 00 

21,200 00 

9,850 00 

5,582 00 

43,792 00 

6,700 00 

13,000 00 

21,200 00 

10,800 00 



ORIENT INSURANCE CO. 



297 



Kanawha & Michigan R.R. bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 
Brooklyn Wharf & Warehouse Co. bonds, 
Territory of Arizona funding bonds, 
Iowa Mortgage Co. trust debenture notes, 
Mason and Tazewell District, 111., bonds 
Rutland and Grafton District, 111., bonds 
First Baptist Church, Nashville, Tenn., bonds 
Kansas School bonds, 
Nebraska School bonds. . 
Dakota School bonds, 
Minnesota School bonds, . 
Wyoming Territory School bonds, 
Colorado School bonds, 
Texas School bonds, . 
"Washington School bonds, 
Arizona Improvement Co. bonds, 



Securities held as collateral for cash loans : - 

4 shares iEtna Fire Insurance Co., Hartford, 

2 " iEtna Fire Insurance Co., Hartford, 
15 " American National Bank, Hartford, 

5 " Charter Oak Nat'l B'k, Hartford, . 

3 " First National Bank, Hartford, 

35 " Conn Gen. Life Ins. Co., Hartford, 

24 " Adams Express Company, 



Par Value. 

$25,000 00 

10,000 00 

25,000 00 

25,000 00 

2,000 00 

15,000 00 

2,000 00 

9,000 00 

21,697 00 

15,270 07 

9,500 00 

6,000 00 

3,000 00 

8,000 00 

15,000 00 

10,000 00 

10,000 00 



Market Value. 

$20,750 00 
10,450 00 

25,875 00 

26,000 00 

2,000 00 

15,900 00 

2,000 00 

9,000 00 

23,478 82 

16,717 07 

10,780 00 

6,180 00 

3,450 00 

8,800 00 

15,900 00 

10,700 00 

10,200 00 



,415,117 07 $1,596,155 14 



Market Value. Loaned Thereon. 



$1,000 00 
500 00 >| 
975 00 
525 00 i 
300 00 ^ 
4,725 00 
3,480 00 



$700 00 



1,880 00 

3,000 00 
1,350 00 



$11,505 00 



1,930 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*), 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, .... 

Interest due and accrued, . 

Premiums in course of collection (gross), 

Rents due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$48,219 86 
193,414 30 

2,834 44 
1,596,155 14 

6,930 00 

5,264 87 
113,496 31 

9,644 10 

265,511 96 

732 47 



$2,242,203 45 
131,170 00 

$2,111,033 45 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$618,620 00 
124,000 00 



298 



ORIENT INSURANCE CO. 



Liabilities. 

Losses adjusted and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 



Surplus over capital, . 



$161,811 74 

28,455 57 

992,691 43 

45,406 31 

7,749 15 

$1,236,114 20 
46,731 67 



1,189,382 53 

$921,650 92 

500,000 00 

$421,650 92 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



Expenditures 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, 
Cash dividends paid, .... 



$237,468 31 
2,353 67 

$235,114 64 

1,828,029 76 

^2,063,144 40 
260,421 21 

51,802,723 19 
416,107 01 

$7,224 89 
87,593 08 

$94,817 97 
5,090 75 



$1,386,616 18 



,727 22 
12,590 40 



sources, 



77,136 82 

10,552 27 

74,136 25 

1,016 41 

.,549,457 93 



$820,017 30 
79,780 92 



,336 83 
3,713 52 



$740,236 38 



84,623 31 
40,000 00 



PACIFIC FIRE INSURANCE CO. 



299 



Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total,. . . . 
Deduct risks expired and terminated, 

In force at end of year, . 



$144,369,262 
136,538,529 



$282,384 5G 

104,828 10 

29,751 56 

78,203 58 

fl,360,027 49 



Premiums. 

00 $1,771,325 73 
00 1,828,029 76 



$280,907,791 
126,035,568 



00 $3,599,355 49 
00 1,699,923 37 



$154,872,223 
2,241,695 



00 $1,899,432 12 
00 18,058 26 



$152,630,528 00 $1,881,373 86 



$1,197,600 
7,661,329 



00 $40,886 70 
00 87,593 08 



£8,858,929 
7,029,070 



00 $128,479 78 
00 71,105 75 



$1,829,859 00 



.7,374 03 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, 



$15,601,160 00 

9,685,993 00 

743,845 00 

79,626 00 

1,025,000 00 

40,000 00 

72,950 00 



"PACIFIC FIRE INSURANCE COMPANY," NEW YORK, N, Y. 

[Incorporated April 16, 1851. Commenced business April 29, 1851.] 



Paid-up Capital, $200,000. 



FRANK T. STIN80N, President. 



GEORGE JEREMIAH, Secretary. 



Detailed Statement op Stocks and Bonds. 

Par Value. 

United States bonds, $138,000 00 

New York City bonds, 175,000 00 

Broadway & Seventh Avenue Railroad bonds, 10,000 00 

New York Central & Hudson River R.R. stock, 22,000 00 

Rome, Watertown & Ogdensburg R.R. stock, . 15,000 00 

Brooklyn city bond, f 10,000 00 



Market Value. 

$150,705 00 
176,750 00 
10,800 00 
21,340 00 
17,925 00 
10,241 00 



$370,000 00 f387,761 00 



300 



PACIFIC FIRE INSURANCE CO. 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate (first liens*), $260,500 00 

Interest due or accrued thereon, . . . 2,078 63 

Stocks and bonds, as per schedule, . . . 387,761 00 

Cash in the office of the company, . . . 3,621 17 

Cash deposited in bank, 21,190 77 

Interest due and accrued, ..... 3,433 25 

Premiums in course of collection (gross), . 57,211 91 

Reinsurance, 267 01 

Premiums more than three mos. due, $1,569 85 

Gross assets, . — $736,063 74 

Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, . 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums, 
Reinsurance, ...... 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, 

Income. 
Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, . . . 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, $388,500 09 



,470 33 
35,282 98 
6,980 33 

$60,733 64 
4,326 54 

$56,407 10 

263,967 03 

610 00 

13,718 77 

4,576 95 

3,000 73 

14,032 48 



356,313 06 



$379,750 68 
200,000 00 



$179,750 68 



$58,391 55 

875 87 

$57,515 68 

491,243 31 

$548,758 99 

58,781 76 



,977 23 
127,568 73 



$362,408 50 
12,231 59 
13,860 00 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$193,000 00 
302,000 00 
268,000 00 



PENNSYLVANIA FIRE INSURANCE CO. 



301 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

Gross cash expenditures, . 



$214,317 36 
14,052 15 



$200,205 21 
20,000 00 
77,326 77 
33,669 88 
9,116 48 
27,783 80 

$368,162 14 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



. $60,193,928 00 
. 45,126,228 00 



Premiums. 

$590,492 75 
491,243 31 



$105,320,156 00 $1,081,736 06 
47,219,217 00 510,782 50 



,100,939 00 $570,953 56 
4,772,840 00 41,355 60 



.$53,328,099 00 $529,597 96 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, . 



$7,502,602 00 

3,984,817 00 

221,174 00 

1,398,000 00 

20,000 00 

38,250 00 



"PENNSYLVANIA FIRE INSURANCE COMPANY," 
PHILADELPHIA, PA. 

[Incorporated March, 1825. Commenced business April, 1825.] 

Paid-up Capital, $400,000. 

R. DALE BENSON, President. W. GARDNER CROWELL, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $45,000 00 $50,400 00 

Philadelphia city bonds, . . . . 19,000 00 21,370 00 

Phila., Wil. & Baltimore Railroad certificates, 115,000 00 119,450 00 

Philadelphia & Erie Railroad bonds, . . 75,000 00 88,500 00 

Pennsylvania Railroad bonds, .... 99,000 00 116,110 00 

Easton & Amboy Railroad bonds, . . . 50,000 00 54,500 00 



302 



PENNSYLVANIA FIRE INSURANCE CO. 



Philadelphia & Reading Railroad, . 
Lehigh Valley Railroad Company, . 
Elmira & Williamsport Railroad, . 
West Jersey Railroad Company, 
Penn. & New York Canal and R.R. Co., 
Chicago & Western Indiana Railroad, 
Chicago, Burlington & Quincy R.R. bonds, 
Jacksonville, Louisville & St. Louis R.R. Co., 
Jacksonville Southeastern Railway Co., . 
Shamokin, Sunbury & Lewisburg Railroad, 
Corning, Cowanesque & Antrim Railroad, 
Terre Haute & Logansport Railroad, 
New York & Long Branch Railroad, 
St. Paul & Northern Pacific Railroad, 
Lehigh Valley Coal Company, 
Pittsburgh, McKeesport & Yough. Railroad, 
Pitts., Youngstown & Ashtabula R.R., 
Cleve., Col., Cin. & Indianapolis R.R., 
Grand Rapids & Indiana Railroad, . 
New York, Lake Erie & Western Railroad, 
New York, Susquehanna & Western Railroad 
Knoxville Water Company bonds, . 
Western Transit Company bonds, . 
American Steamship Co. of Phila. bonds, 
Lehigh Coal & Navigation Company bonds, 
Chesapeake & Delaware Canal Co. bonds, 
Delaware Division Canal Company, 
Car Trust of New York bonds, 
Huntingdon & Broad Top Car Trust, 
Huntingdon County, Ind , bonds, 
Lake Shore & Michigan Southern R 1 y bonds, 
Lehigh Coal & Navigation Company bonds, 
Buffalo & Susquehanna R.R. Co. bonds, 
Baltimore & Ohio Railroad Company, 
Indiana & Vincennes Railroad Company 
Chicago & Erie Railroad Company, 
City of Quincy, 111., bonds, 
City of Sandusky, Ohio, bonds, 
St. Louis city bonds, . 
Cincinnati city bonds, 
City of Springfield, 111., bonds, 
City of Topeka, Kan., bonds, . 
City of Dayton, O , bonds, 
City of Columbus, O., bonds, . 
Kansas City, Kan., bonds, , 

Newark city bonds, . . . 
Wabash Railroad Company bonds, 
Pittsburgh Junction Terminal Company, 



Par Value. 

$308,500 00 
183,000 00 

25,000 00 

10,000 00 
124,000 00 
116,000 00 
50,000 00 
32,000 00 
11,000 00 
20,000 00 

4,000 00 
50,000 00 
25,000 00 
50,000 00 
50,000 00 
20,000 00 
25,000 00 
30,000 00 
21,000 00 
23,000 00 
60,000 00 
15,000 00 
50,000 00 
15,000 00 
20,000 00 
10,000 00 
25,000 00 

7,000 00 
37,000 00 

5,000 00 
50,000 00 
50,000 00 
50,000 00 
10,000 00 
18,000 00 
50,000 00 
25,000 00 
19,000 00 
25,000 00 
48,000 00 
35,000 00 
26,944 00 
52,000 00 
36,000 00 

9,000 00 
10,000 00 
20,000 00 
25,000 00 



Market Value. 

1308,245 00 
211,650 00 

29,750 00 

11,100 00 

128,020 00 

133,120 00 

60,000 00 

12,800 00 

8,250 00 
20,400 00 

4,120 00 
53,000 00 
27,500 00 
62,000 00 
51,000 00 
24,000 00 
25,625 00 
37,500 00 

5,250 00 
25,300 00 
62,000 00 
15,000 00 
51,500 00 
15,450 00 
20,800 00 

5,200 00 
23,750 00 

7,000 00 
37,000 00 

5,000 00 
60,000 00 
51,750 00 
49,750 00 
11,800 00 
19,080 00 
55,250 00 
26,000 00 
19,570 00 
29,500 00 
59,120 00 
37,800 00 
26,944 00 
57,535 00 
37,080 00 

9,000 00 
10,200 00 
15,000 00 
25,500 00 



PENNSYLVANIA FIRE INSURANCE CO. 



303 



Newburgh & New York Railroad bonds, 

Northern Central Railroad Company bonds, 

Baltimore & Ohio Railroad bonds, . 

Baltimore Belt Railroad bonds, 

W. Knoxville Genl Improvement Co. bonds, 

Atlantic City Railroad bonds, . 

Camden Horse Railroad bonds, 

City of Columbus, O., water works, . 

Be) lefonte Central Railroad Co., 

Evansville & Terre Haute R.R., 

School Dist. of the Borough of Sewickley, Pa. 

200 shares Philadelphia National Bank, . 

Allegheny Valley Railroad Co., 

440 shares Bel lefonte Central Railroad Co., 

10 shares Philadelphia Bourse, 



Tar Value. 

$15,000 00 
22,000 00 
50,000 00 
50,000 00 
20,000 00 
30,000 00 
25,000 00 
14,000 00 
2,500 00 
25,000 00 
24,000 00 
20,000 00 
22,000 00 
22,000 00 
500 00 



Market Value. 

$15,000 00 
25,960 00 

56,500 00 
50,000 00 
21,000 00 
30,900 00 
25,000 00 
14,280 00 
2,500 00 
25,000 00 
25,200 00 
38,000 00 
22,880 00 
11,000 00 
380 00 



$2,725,444 00 $2,896,139 00 



Securities held as collateral for cash loans : — 

Bank of North America, 
German- American Insurance Co. 
Manayunk National Bank, . 
Manayunk National Bank, . 
Northwestern National Bank, 
Ninth National Bank, . 
Moorestown National Bank, 
Burl Co. Safe Dep. & Trust Co., 
Fire Ins. Co. of County of Phila., 
North Pennsylvania Railroad, 
Lehigh Valley Railroad Co. stock 
North Pennsylvania Railroad, 
Delaware & Bound Brook R.R., 
Delaware & Bound Brook R.R., 
North Pennsylvania Railroad, 
Philadelphia Traction Co., . 
Penn. Co. for Ins. on Lives, etc., 
Penn. Fire Insurance Co., 
United Canal & R R. Co. of N. J. 
Insurance Co. of North America 
Germania Fire Insurance Co., 
First Nat'l B'k, Shippeneburg, Pa. 
National Bank of Illinois, . 
Lehigh Valley Railroad Co., 
United Gas Improvement Co., 
National Lead Co., 
Union Trust Co., . 
Catawissa Railroad Company, 
Lehigh Coal & Navigation Co., 
Commonw'lth Title Ins. & T. Co 



Market Value. Loaned Thereon. 



4 shares 


15 


«( 


15 


cc 


25 


cc 


25 


(C 


30 


M 


7 


«( 


5 


cc 


5 


tl 


62 


t< 


,000 


l( 


74 


ic 


100 


it 


100 


Cl 


74 


cc 


425 


(C 


9 


cc 


5 


cc 


4 


« 


65 


cc 


26 


cc 


16 


cc 


20 


cc 


700 


cc 


100 


cc 


30 


cc 


25 


cc 


40 


cc 


105 


cc 


10 


cc 



$1,000 00 
4,350 00 
2,700 00 
4,500 00 
4,000 00 
4,200 00 } 
1,400 00 
350 00 
450 00 J 
5,208 00 

36,000 00 
6,216 00 ) 

16,300 00 S 

16,300 00 
6,216 00 

27,200 00 
4,320 00 "i 
1,550 00 J 

948 00 
1,430 00 
4,550 00 j 
2,880 00 ) 
4,840 00 S 

25,200 00} 

8,100 00 > 

750 00 ) 

1,500 00^ 

1,960 00 



$500 00 

2,750 00 

2,000 00 

7,000 00 



5,300 00 

3,500 00 
25,000 00 

18,000 00 

18,000 00 
22,000 00 

4,150 00 

3,000 00 
30,000 00 



4,220 00 
680 00 J 



)■ 5,000 00 



304 



PENNSYLVANIA FIRE INSURANCE CO. 



Market Value. Loaned Thereon. 



Pitts., Cm. & St. Louis Railway Company, 
N. Y. & Long Branch Railway Company, 
Lehigh Coal and Navigation'Company, . 
200 shares Lehigh Coal & Navigation Co., 
40 " Pennsylvania Railroad Company, 
60 " No. Pennsylvania Railroad Co., 
Boston United Gas bonds, 
Bellei'onte Central Railroad Company, . 
25 shares Western National Bank Company, 
50 shares New England Loan & Trust Co., 
Pulaski Iron Company, .... 



ft, 160 00 
4,444 00 

10,400 00 
8,800 00 
2,080 00 
5,040 00 

20,000 00. 
4,000 00 
2,125 00 
5,000 00 
5,000 00. 



$3,000 00 

15,000 00 

21,000 00 

2,000 00 

10,000 00 



$267,367 00 $197,200 00 



Summary of Assets Dec 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens^ 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Gross assets, ..... 
Deduct special deposits in other States, . 



Balance, 



31, 1895. 

$182,500 00 

, 877,820 00 

11,002 49 

2,896,139 00 

197,200 00 

851 77 

76,119 40 

2,653 63 

235,637 66 

1,399 20 



t,481,323 15 
50,400 00 

t,430,923 15 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$46,727 43 
94,344 65 
17,187 67 
1,332,527 12 
782,954 62 
24,000 00 
18,023 48 

12,315,764 97 
35,823 16 



2,279,941 81 



. $2,150,981 34 
. 400,000 00 



,750,981 34 



* Total value of property mortgaged, 
Amount of insurance held ae collateral, 



$2,253,800 00 
697,000 00 



PENNSYLVANIA FIRE INSURANCE CO. 



305 



Income. 

Fire premiums outstanding Dec. 31, 1894 
Premiums, on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Deposits received for perpetual fire risks 



Gross cash income, 



Expenditures. 

Cash paid for fire losses, . . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . . 



$234,922 00 
2,041,902 77 

52,276,824 77 
235,037 66 



1,041,187 11 
412,090 96 



sources, 



$51,968 13 



$14,900 31 



$1,629,096 15 

38,539 26 

147,327 69 

2,205 69 

$1,817,168 79 



$829,321 78 
60,000 00 
380,798 74 
87,028 00 
37,844 32 
99,126 98 

1,494,119 82 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$250,875,254 00 
192,225,311 00 

$443,100,565 00 
164,057,773 00 

$279,042,792 00 
13,014,728 00 



Premiums. 

$2,637,215 29 
2,041,902 77 

$4,679,118 06 
1,958,482 89 

$2,720,635 17 
125,224 43 



$266,028,064 00 $2,595,410 74 
Perpetual risks in force (not included above), $34,558,777 00 $856,092 17 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (15 per cent), 
Company's stock owned by directors, .... 



$28,442,270 00 

16,037,386 00 

807,822 00 

2,769,000 00 

60,000 00 

55,100 00 



306 



PHENIX INSURANCE CO. 



"PHENIX INSURANCE COMPANY," BROOKLYN, N. Y. 

[Incorporated Sept. 10, 1853. Commenced business Sept. 10, 1853.] 

Paid-up Capital, $1,000,000. 

GEORGE P. SHELDON, President. CHARLES C. LITTLE, Secretary. 



Detailed Statement of Stocks and Bonds. 



United States bonds, .... 

State of Virginia bonds, .... 

City of Richmond, Va., bonds, . 

New York City Consolidated stock, . 

Kings County Elevated Railway bonds, . 

Toledo & Ohio Central R.R. bonds, . 

Central Georgia Railway bonds, 

Louisville, St. Louis & Texas Railway bonds, 

Louisville & Nashville R.R. bonds, . 

Norfolk & Western R R. bonds, 

United Traction & Electric R'y Co. bonds, 

Northern Pacific Terminal Co bonds, 

Wabash R.R. Co. bonds, .... 

Missouri, Kansas & Texas R'y Co. bonds, 

Metro. West Side Elevated R'y of Chic, b'ds, 

Missoula County, M. T., bonds, 

U. S. Illuminating Co. bonds, . 

Lake Gas Co. of Chicago bonds, 

Grand Rapids Gas Light Co. bonds, . 

New York, New Haven & Hartford R.R , 

Ohio Southern R.R. Co. " Car Trusts," . 
50 shares Dry Dock, E. B'y & Battery R.R. 

1,125 " New York & Harlem R.R., . 

1,000 " Morris & Essex R.R., . 

2,000 " Beech Creek R.R., 

1,000 " Delaware & Hudson Canal Co., 
500 " Pitts., Ft. Wayne & Chicago R.R 

1,000 " Syracuse, Bing., & N. Y. R.R., 
500 " Rensselaer & Saratoga Railroad, 
800 " Chic, Milwaukee & St. Paul R'y 
700 " Lake Shore & Mich. South. R'y, 
200 " American Ex. Nat'l Bank, N.Y., 
200 " Nat'l Shoe & Leather B n k, N. Y., 
386 " Nat'l Bank of the Republic, N. Y 
87 " Nat'l Bank of Commerce, N. Y., 
200 " Fourth National Bank, N. Y , 
100 " Mercantile Nat'l Bank, N. Y , 
253 " National Park Bank, N. Y., . 

1,200 " Chatham National Bank, N. Y., 
408 " Mechanics' Bank, Brooklyn, 



Par Value. 

£315,000 00 

100,000 00 

21,000 00 

762,000 00 

26,000 00 

5,000 00 

50,000 00 

26,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

30,000 00 

50,000 00 

35,000 00 

12,000 00 

25,000 00 

50,000 00 

50,000 00 

200,000 00 

30,000 00 

5,000 00 

56,250 00 

50,000 00 

100,000 00 

100,000 00 

50,000 00 

100,000 00 

50,000 00 

80,000 00 

70,000 00 

20,000 00 

20,000 00 

38,600 00 

8,700 00 

20,000 00 

10,000 00 

25,300 00 

30,000 00 

20,400 00 



Market Value. 

$351,200 00 
62,500 00 
21,000 00 

792,480 00 
19,500 00 
5,400 00 
45,000 00 
15,080 00 
25,000 00 
20,000 00 
25,625 00 
26,500 00 
31,500 00 
42,500 00 
28,000 00 
13,200 00 
25,500 00 
51,000 00 
45,000 00 

276,000 00 

30,000 00 

8,750 00 

160,312 50 
85,000 00 
97,500 00 

130,000 00 
85,000 00 

175,000 00 
92,500 00 

104,000 00 

104,300 00 
34,000 00 
19,200 00 
59,830 00 
18,270 00 
38,000 00 
18,000 00 
70,840 00 

102,000 00 
55,080 00 



PIIENIX INSURANCE CO. 



307 



600 shares National City Bank, Brooklyn, 

135 " Natfl Bank of Illinois, Chicago, . 

200 " Phenix National Bank, N. Y., 

100 " Bond & Mortgage Guarantee Co., 

150 " Brooklyn Bank, Brooklyn, . 

1,500 " Central & So. American Tel. Co., 

1,000 " Western Union Telegraph Co., . 

187 " New York Mutual Gas Light Co., 



Par Value. 

$30,000 00 

13,500 00 

4,000 00 

10,000 00 

7,500 00 

150,000 00 

100,000 00 

18,700 00 



Market Value. 

|123,000 00 

35,100 DO 

4,600 00 

13,000 00 

12,750 00 

187,500 00 

87,000 00 

44,880 00 



!,074,950 00 $3,917,397 50 



Summary of Assets Dec 

Cash value of unencumbered real estate, 

Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Interest due and accrued, , 

Premiums in course of collection (gross) 

Rents due and accrued, 

Gross assets, .... 
Deduct special deposits in other States, 



Balance, $5,759,062 75 



31, 1895. 

$179,000 00 

120,600 00 

1,969 95 

3,917,397 50 

1,325 62 

498,578 05 

10,355 80 

928,862 89 

3,472 94 



i,961,562 75 
202,500 00 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

Total amount of losses, 
, Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



>76,423 96 
43,125 00 



$319,518 96 
44,619 44 

$274,929 52 

3,811,063 04 

2,266 66 

111,633 35 

120,121 24 

618 36 



$4,320,632 17 
126,358 94 



4,194,273 23 

M ,564,789 52 
1,000,000 00 



$564,789 52 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$73,250 00 
158,500 00 
126,000 00 



308 



PHENIX INSURANCE CO. 



Income. 
Fire premiums outstanding Dec. 31, 1894, . $938,287 95 
Premiums on risks written or renewed, . . 5,666,819 21 

Total, . $6,605,107 16 

Premiums now in course of collection, . . 928,862 89 

Entire premiums collected, .... $5,676,244 27 
Less reinsurance and return premiums, . . 1,634,716 85 

Net cash fire premiums received, . . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, . * 



1,041,527 42 

6,298 44 

159,943 93 

15,032 76 



Gross cash income, $4,222,802 55 



Expenditures. 

Cash paid for fire losses, . . . . $2,685,612 24 

Deduct salvage and reinsurance, . . . 340,273 08 

Net cash paid for fire losses, . . . . — 

Cash dividends paid, . . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, 



1,345,339 16 

100,000 00 

651,169 92 

306,581 43 

77,551 28 

380,177 71 

5,860,819 50 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$589,911,541 00 $7,629,251 44 
443,468,829 00 5,666,819 21 



Total,. ■. 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . . . 



$1,033,380,370 00 $13,296,070 65 
372,172,005 00 4,799,258 20 



$661,208,365 00 $8,496,812 45 
74,730,184 00 928,836 05 



$586,478,181 00 $7,567,976 40 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, . 



$103,648,955 00 
. 52,510,918 00 
. 2,314,337 00 
. 3,574,000 00 
100,000 00 
169,550 00 



PHCENIX INSURANCE CO. 



309 



"PHCENIX INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated May, 1854. Commenced business June, 1854.] 
Paid-up Capital, $2,000,000. 
D. W. C. SKILTON, President, GEO. H. BURDICK, Secretary. 



Detailed Statement of Stocks and Bonds. 



300 shares iEtna National Bank. Hartford, 

1,000 " American National Bank, 

100 " Atlantic Trust Co., N. Y., . 

125 " Central Trust Co., N. Y., . 

162 " Charter Oak Natl B'k, Hartford 

160 " City Bank, Hartford, . 

100 " Connecticut River B'k, Hartford, 

300 " F'm's' & Mech's' N. B'k, Hartf'd, 

175 " First National B'k, Wallingford, 

400 " Franklin Trust Co., N. Y., . 

1,030 " Hartford Nat'l Bank, Hartford, 

400 " Hartford Trust Co., Hartford, 

100 " Home National Bank, Meriden, 

133 " Imperial Bank, Toronto, Ont., 

250 " Metropolitan Natl Bank, Cin., 

108 " Merchants 1 Ex. Nat'l B'k, N. Y , 

800 " Mercantile Nat'l Bank, Hartford 

200 " Natl Shoe and Leather B'k, N. Y. 

340 " Nat'l Exchange Bank, Hartford, 

125 " Nat'l German Amer. B'k, St. Paul 

200 " New Britain Nat'l B'k, New Brit 

770 " Phoenix National Bank, Hartford 

200 " State Bank, Hartford, . 

440 " Waterbury Natl B'k, Waterbury 

50 " Security Company, Hartford, 

500 " Bald Eagle Valley R R., 

300 " Beech Creek R R., 

350 " Chicago & Alton R.R. Co., . 

500 " Cleveland & Pittsburgh R.R., 

500 " Fort Wayne & Jackson R.R., 

200 " Georgia R.R. & Banking Co., 

120 " Hartford & Conn. Western R.R., 

1,000 " Illinois Central R.R., . 

1,000 " Morris & Essex R.R., . 

1,500 " N. Y., N. H. & Hartford R.R., 

250 " New York & Harlem R.R., . 

500 " N. Y. Cent. & Hudson River R.R. 

500 " Peoria & Bureau Valley R.R. Co. 

500 " Pittsburgh, McKeesport & Y. R.R 

500 " Rensselaer & Saratoga R.R. Co., 



Par Value. 

$30,000 00 
50,000 00 
10,000 00 
12,500 00 
16,200 00 
16,000 00 
3,000 00 
30,000 00 
17,500 00 
40,000 00 

103,000 00 
40,000 00 
10,000 00 
13,300 00 
11,250 00 
5,400 00 
80,000 00 
20,000 00 
17,000 00 
12,500 00 
20,000 00 
77,000 00 
20,000 00 
22,000 00 
5,000 00 
25,000 00 
15,000 00 
35,000 00 
25,000 00 
50,000 00 
20,000 00 
12,000 00 

100,000 00 
50,000 00 

150,000 00 
12,500 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 



Market Value. 

$42,000 00 
70,000 00 
18,500 00 

131,250 00 
16,200 00 
16,800 00 
4,000 00 
34,500 00 
19,775 00 
96,000 00 

149,350 00 

58,000 00 

12,000 00 

24,073 00 

500 00 

6,480 00 

64,000 00 

19,000 00 

22,100 00 

8,125 00 

31,000 00 

92,400 00 

22,000 00 

38,500 00 

6,250 00 

50,000 00 

15,000 00 

56,000 00 

41,750 00 

62,500 00 

36,700 00 

3,000 00 

95,000 00 

83,500 00 

270,000 00 
35,000 00 
49,000 00 
87,500 00 
33,625 00 
91,000 00 



310 



PHCENIX INSURANCE CO. 



500 shaves Sharon R.R. of Pa., 
150 " Empire & Bay States Tel. Co., 
1,320 " Holyoke Water Power Co., . 
1,500 " North Western Telegraph Co., 

400 " West End St. Railway Co., Boston 
Georgia State bonds, 

Brooklyn Wharf and Warehouse Co. bonds, 
Ashland, Oregon, water bonds, 
Brantford, Canada, bonds, . 
Guelph, Canada, bonds, 
Victoria, British Columbia, bonds, 
Town of St. Henry, P. Q., bonds, 
Province of New Brunswick bonds, 
Columbus, O., improvement bonds, 
Fostoria, O.. water bonds, 
Leavenworth City & Ft. L'worth water bonds 
Hannibal, Mo., school bonds, . 
Northwestern Telegraph Company bonds, 
Naumkeag Street Railway Company bonds, 
Superior, Wis , improvement bonds, 
Urbana, O., gas bonds, .... 
Can. Pacific 1st Mort. Land Grant R.R. bonds 
Cedar Rapids, Iowa Falls & N. W. R'y bonds 
Chicago & N. Western Railway bonds, . 
Chicago & Western Indiana Railroad bonds, 
Chicago, Burlington & Quincy R.R bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Cincinnati, Dayton & lronton bonds, 
Erie Railway consols bonds, 
Minneapolis Union Railway Company bonds 
N. Y., Lackawanna & Western R R. bonds, 
N. Y., N. H. & H R.R debentures, bonds, 
St. Paul, Eastern & Grand Trunk bonds, 
Terre Haute & Logansport Railroad bonds, 
Terre Haute & Peoria bonds, . 
Texas & New Orleans bonds, . 



Par Value. 

$25,000 00 
15,000 00 

132,000 00 
75,000 00 
20,000 00 
25,000 00 
75,000 00 
50,000 00 
25,000 00 
24,000 00 
20,000 00 
75,000 00 
5,000 00 
12,000 00 
25,000 00 
25,000 00 
24,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
44,000 00 
50,000 00 
49,000 00 

149,000 00 
10,000 00 
25,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
75,000 00 
10,000 00 
50,000 00 
25,000 00 
54,000 00 



Market Value. 

$25,750 00 
11,475 00 

330,000 00 
86,250 00 
26,400 00 
28,875 00 
77,250 00 
54,500 00 
27,875 00 
27,960 00 
23,000 00 
79,875 00 
5,050 00 
12,720 00 
25,000 00 
27,500 00 
25,440 00 
28,875 00 
25,000 00 
26,000 00 
25,000 00 
49,280 00 
51,500 00 
57,330 00 

171,920 00 
10,100 00 
26,250 00 
27,000 00 
71,000 00 
62,000 00 
67,500 00 

102,750 00 
11,500 00 
56,500 00 
25,000 00 
60,480 00 



$2,819,150 00 $3,862,283 00 



Securities held as collateral for cash loans : — 

93 shares Travelers Insurance Company, 
240 " Landers, Frary & Clark, 

70 " Southern New England Tele. Co., . 
103 " Atlantic Dock Co., .... 

64 " Hartford Carpet Co., 



Market Value. Loaned Thereon 



,716 00 

6,360 00 

6,790 00 

10,300 00 

4,160 00 



$11,500 00 
9,000 00 

11,200 00 



$47,326 00 $31,700 00 



PHOENIX INSURANCE CO. 



311 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in banks, .... 
Interest due and accrued, . . . ' 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Reinsurance due, ..... 

Gross assets, 

Deduct special deposits in other States, . 

Balance, 



31, 1895. 

$476,917 68 

225,340 29 

10,025 09 

3,862,283 00 

31,700 00 

33,121 47 

135,918 65 

5,064 76 

505,676 87 

5,282 45 

17,689 42 



$5,309,019 68 
296,415 00 



. $5,012,604 68 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, ..... 



Surplus over capital, . 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

* 
Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Profit on sale of securities, 

Gross cash income, . 



$293,990 37 
48,451 06 

2,484,451 32 
62,500 00 

$2,889,392 75 
174,937 55 



2,714,455 20 

$2,298,149 48 
2,000,000 00 



$298,149 48 



$596,584 37 
3,903,462 34 

£4,500,046 71 
505,676 87 

£3,994,369 84 
607,585 58 



sources, 



f3,386,784 26 

10,032 57 

190,074 01 

5,173 69 

28,350 00 

$3,620,414 53 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$379,070 00 

135,600 00 

84,225 00 



312 



PROVIDENCE WASHINGTON INSURANCE CO. 



Expenditures. 

Cash paid for fire losses, $2,589,040 08 

Deduct salvage and reinsurance, . . . 171,198 60 

Net cash paid for fire losses, .... ■ 

Cash dividends paid, ..... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Gross cash expenditures, .... 



1,417,841 48 

280,000 00 

549,619 73 

190,714 35 

78,130 23 

338,982 98 



$3,855,288 77 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $381,879,635 00 $4,549,486 92 
Fire risks written during 1895, . . 336,829,714 00 3,903,462 34 



Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 



$718,709,349 00 $8,452,949 26 
288,220,762 00 3,547,091 39 



$430,488,587 00 $4,905,857 87 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of eompanj*, 
Dividends declared during the year (14 per cent.), 
Company's stock owned by directors, 



$62,128,608 00 

38,047,470 00 

2,167,266 00 

6,685,000 00 

280,000 00 

65,900 00 



"PROVIDENCE WASHINGTON INSURANCE COMPANY," 
PROVIDENCE, R. I. 

[Incorporated 1799. Commenced business 1799 ] 
Paid-up Capital, $400,000. 



J. H. DeWOLF, President. 



E. L. WATSON, Secretary. 



Detailed Statement of Stocks 



Boston & Providence R.R. bonds, 

Boston & Maine R R. bonds, 

Baltimore & Ohio R.R. bonds, . 

Bath Gas and Electric Co. bonds, 

City of Pawtucket bonds, . 

Cleveland Electric Railway bonds, 

Columbus Street Railway bonds, 

Lehigh Valley R.R. Co. bonds, 

Morris & Essex R.R. Co. bonds, 

New York, New Haven & Hartford R.R. bonds, 

Rensselaer & Saratoga R.R. bonds, . 



and Bonds. 

Par Value. 

$100,000 00 
10,000 00 
25,000 00 
3,000 00 
25,000 00 
10,000 00 
10,000 00 
50,<)00 00 
25,000 00 
50,000 00 
12,000 00 



Market value. 

$106,000 00 
11,500 00 
28,750 00 
2,700 00 
26,500 00 
10,300 00 
10,100 00 
52,500 00 
35,000 00 
6*, 000 00 
17,280 00 



PROVIDENCE WASHINGTON INSURANCE CO. 



313 



180 shares Fourth National Bank, New York, 

340 " Nat'l Bank of Commerce, N. Y., . 

300 " National Park Bank, N. Y., . 

500 " American National Bank, Pro v., . 

1,000 " Blackstone Canal Nat'l B'k, Prov., 

300 " Commercial National B'k, Prov., . 

300 " Manufacturers Nat'l Bank, Prov., . 

500 " Merchants National Bank, Prov., . 

400 " Mechanics National Bank, Prov., . 

500 " National B'k of Commerce, Prov., 

3()0 " Nat'l Bank of No. America, Prov., 

300 " National Eagle Bank, . 

200 " Weybosset National Bank, . 

500 " Providence Gas Co , . 

600 " Chicago & Alton R.R. Co., . 

200 " Chicago & No. Western R'y Co., . 

500 " Oswego & Syracuse R.R. Co., 

1,500 " What Cheer Corporation, 



Tar Value. 

$18,000 00 
34,000 00 
30,000 00 
25,000 00 
25,000 00 
15,000 00 
30,000 00 
25,000 00 
20,000 00 
25,000 00 
15,000 00 
15,000 00 
10,000 00 
25,000 00 
60,000 00 
20,000 00 
25,000 00 

200,000 00 



Market Value. 

|31,140 00 
70,720 00 
81,600 00 
22,500 00 
25,000 00 
14,400 00 
42,600 00 
31,500 00 
20,800 00 
22,000 00 
13,500 00 
16,500 00 
8,600 00 
42,000 00 
94,800 00 
28,800 00 
51,250 00 

200,000 00 



$937,000 00 $1,186,340 00 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Premiums more than three mos. due, $3,760 99 
Gross assets, . . . . . 



31, 1895. 

$1,186,340 00 

2,335 67 

63,773 54 

178,221 41 

48,610 33 



$1,479,280 95 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 

Bills payable, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, . . . 

Surplus over capital, . . , 



$5,585 97 

142,539 13 

6,393 73 

$154,518 83 
43,118 77 

$111,400 06 

741,767 71 

26,787 59 

14,950 24 

21,724 10 



916,629 70 



$562,651 25 
400,000 00 



$162,651 25 



314 PROVIDENCE WASHINGTON INSURANCE CO. 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $106,931 58 
Same not collected, 9,377 58 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . $852,625 76 

Marine premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, . . 372,703 45 

Interest and dividends received from all sources, . . . 44,605 60 



$97,554 00 
1,151,918 73 


$1,249,472 
138,994 


73 
43 


$1,110,478 
257,852 


30 
54 


$108,025 38 
615 00 


$107,410 
481,536 


38 
02 


$588,946 40 
91,598 30 


$497,348 
124,644 


10 
65 



Gross cash income, $1,269,934 81 

Expenditures. 
Cash paid for fire losses, $573,301 58 

Deduct salvage and reinsurance, , . . 107,261 27 

Net cash paid for fire losses, .... — $466,040 31 

Cash paid for marine and inland losses, . . $373,401 55 

Deduct salvage and reinsurance, . . . 93,555 33 

Net cash paid for marine and inland losses, . 279,846 22 

Cash dividends paid, 32,000 00 

Cash paid for commissions and brokerage, .... 226,515 29 

for salaries of officers and employees, . . . 82,556 79 

for State and local taxes, 24,947 23 

for incidentals, . 67,659 08 



,179,564 92 



Gross cash expenditures, ..... 

Risks and Premiums. Premiums. 

Fire risks outstanding Dec. 31, 1894, . $135,232,566 00 $1,431,858 10 
Fire risks written during 1895, . . 110,592,340 00 1,151,918 73 



Total $245,824,906 00 $2,583,776 83 

Deduct risks expired and terminated, . 107,293,488 00 1,122,853 59 



In force at end of year, .... $138,531,418 00 $1,460,923 24 
Deduct amount reinsured, . . . 24,551,514 00 243,142 46 



Net amount in force, . . '. ' $113,979,904 00 $1,217,780 78 



QUEEN QflSURAKGE CO. OF AMEBIC A. 






Marine i i-k s outstanding Dec. 31, 1894, 
Marine ri.^ks written daring 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



Prr-miumi. 
$8,492,896 00 1243356 51 
98344,150 00 481,536 02 



1107,337,046 00 |72£ 
99,691,005 00 500,704 82 



^7,046,041 00 $224,687, 71 
1,740,033 00 



$5,897,008 00 $186,826 84 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.;, . 
Company's stock owned by directors, .... 



$2o,871,078 00 

. lo,285,010 00 

447,331 00 

286,523 00 

. 2,096,563 00 

32,000 00 

43,200 00 



" QUEEN INSURANCE COMPANY OF AMERICA," NEW YORK, N. Y. 

[Incorporated Sept. 11, 1891. Commenced business Sept. 11, 1891.] 

Paid-up Capitax, $500,000. 

JAMES A. MACDONALD, President. GEO. W. BCRCHELL, Secretary. 



Detailed Statement of Stocks a^d Bonds. 



United States bonds. . 

District of Columbia bonds, 

New York City bonds, 

City of Brooklyn bonds, 

New Zealand stock, . 

Quebec loan, 

Manitoba debentures, 

Halifax, N. S , stock, 
250 shares New York & Harlem Railroad, 
443 " United N. J. R R. & Canal Co , 
517 « N Y., Lack. & Western Railroad 
950 " Rome, Watertown & Ogd. R.R., 
360 " Pittsburgh, F. W. & Chic. R.R., 

1,400 " ^1 orris & Essex Railroad, . 
250 " Rensselaer & Saratoga Railroad 

Farmers' Loan & Trust Co. stock, . 

United States government bonds, 

New York, Lack. & Western Railroad bonds, 

Chicago & Southwestern Railroad bonds, 

North Wisconsin Railroad bonds, . , 



Par Value. 

1476,000 00 

340,000 00 
325,000 00 
125,000 CO 
49,000 00 
24,500 00 
29,400 00 
60,000 00 
12,500 00 
44,300 00 
51,700 00 
95,000 00 
36,000 00 
70,000 00 
25,000 00 
10,000 00 
90,000 00 
200,000 00 
10,000 00 
30,000 00 



Market Value. 

f 553,2 10 00 

365,500 00 

325,000 00 

131,186 65 

49,000 00 

24,500 00 

29,400 00 

66,000 00 

31,978 98 

99,744 18 

56.983 33 

110,135 00 

55,613 30 

104,150 10 

42,437 50 

71,600 00 

98,100 00 

247,856 53 

10,496 88 

36,608 85 



316 



QUEEN INSURANCE CO. OF AMERICA. 



Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Fremont, Elkhorn & Mo. Railroad bonds, 
Chicago, Mil. & St. Paul Railroad bonds, 
Chicago & North Western R.R. sinking fund, 
Baltimore & Ohio Railroad bonds, . 
Pennsylvania Co. Railroad bonds, . 
Morris & Essex Railroad bonds, 
Michigan Central Railroad bonds, . 
Central Railroad of New Jersey R.R. bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Canada Southern Railroad bonds, . 
Chicago, St. Paul, Minn. & Omaha R.R. bonds 
Albany & Susquehanna Railroad bonds, . 
Detroit & Bay City Railroad" bonds, . 
Northern Pacific Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Evansville & Indianapolis Railroad bonds, 
Ohio & Miss. Equipment Trust, 
Consolidated Gas Co. of New York, 



Par Value. 

$40,000 00 
35,000 00 
10,000 00 

106,000 00 
49,000 00 
10,000 00 
50,000 00 

110,000 00 
43,000 00 
80,000 00 
40,000 00 
25,000 00 
25,000 00 
25,000 00 
20,000 00 
41,000 00 
15,000 00 
25,000 00 
3,000 00 
20,000 00 



Market Value. 

$42,248 31 

35,330 99 

11,879 07 

108,793 99 

51,137 81 

10,000 00 

53,426 92 

148,823 15 

45,709 30 

89,170 15 

45,553 53 

25,932 93 

28,818 45 

28,847 6Q 

23,476 32 

45,193 04 

15,548 13 

21,250 00 

2,615 00 

20,412 81 



1,875,400 00 $3,363,698 86 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 

Interest due and accrued, 

Premiums in course of collection (gross), 

Notes taken for fire risks, .... 

Reinsurance, ...... 

Premiums more than three mos. due, $7,265 38 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$25,000 00 

3,363,698 86 

11,834 27 

302,795 18 

45,222 96 

290,028 02 

965 30 

41 87 



$4,039,586 46 
427,900 00 

$3,611,686 46 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

Less reinsurance, . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 



$65,679 27 

139,872 58 

36,126 08 

$241,677 93 
' 14,370 09 

$227,307 84 

1,694,174 16 

9,200 73 



QUEEN INSURANCE CO. OF AMERICA. 



317 



Commissions and brokerage, . 

Return premiums, . 

Reinsurance, etc., .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



Income 



$54,224 50 

31,679 77 

4,513 52 



$2,021,100 52 
293,124 60 



$1,727,975 92 

$1,883,710 54 
500,000 00 

$1,383,710 54 



Fire premiums outstanding Dec. 31, 1894, . $354,876 52 
Same not collected, 2,979 13 

Net collected, $351,897 39 

Premiums on risks written or renewed, . . 2,668,614 89 

Total, . . $3,020,512 28 

Premiums now in course of collection, . . 298,258 70 

Entire premiums collected, .... f 2,722,253 58 
Less reinsurance and return premiums, . . 568,813 22 
Net cash fire premiums received, 
Interest and dividends received from all sources, . 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, $1,227,219 11 

Deduct salvage and reinsurance, . . . 36,267 16 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



!,153,440 36 
122,714 66 

},276,155 02 



$1,190,951 95 

50,000 00 

324,178 98 

166,150 82 

50,482 21 

126,445 62 

$1,908,209 58 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 



Risks and Premiums. 

Premiums. 

$294,460,009 00 $3,412,886 87 
229,021,026 00 2,668,614 89 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$523,481,035 00 $6,081,501 76 
218,432,402 00 2,624,967 65 



$305,048,633 00 $3,456,534 11 
14,351,033 00 135,361 82 



$290,697,600 00 $3,321,172 29 



318 



THE READING FIRE INSURANCE CO, 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Company's stock owned by directors, 



$10,051,610 00 

. 5,471,971 00 

. 1,178,024 00 

50,000 00 

7,000 00 



"THE READING FIRE INSURANCE COMPANY," READING, PA. 

[Incorporated July 8, 1867. Commenced business July 8, 1867.] 

Paid-up Capital, $250,000. 
WM. A. ARNOLD, President. S. E. ANCONA, Secretary. 



Detailed Statement of Stocks 



Philadelphia & Reading Railroad bonds, 
Perkiomen Railroad bonds, 
Warren & Franklin Railroad bonds, 
United States bonds, .... 
250 shares Reading Gas Company, . 
124 
200 
150 
50 
100 
772 
125 



So. Reading Market House Co., 
East Pennsylvania Railroad, . 
National Union Bank, Reading, 
Farmers 1 National Bank, Reading, 
Second National Bank, Reading, 
Reading Trust Company, 
Reading City Passenger Railway, 

Reading City Passenger Railway bonds, . 

South Reading Market House Company scrip, 

Securities held as collateral for cash loans 



80 shares National Union Bank, 

5 " Citizens 1 Bank, 
35 " Reading Trust Co., . 

8 " National Union Bank, 
25 " Second National Bank, 
10 " Second National Bank, 
150 " Keystone Wagon Company, 
39 " South Reading Market House 
15 " Reading Gas Co., 

6 " Reading Trust Co , . 

15 " W. Reading B. & S. Asso., 
Reading Foundry Co. bonds, . 
Judgment notes secured, . 
Assignment of mortgage, . 



and Bonds. 

Par Value. 

$36,000 00 

2,000 00 

1,000 00 

10,000 00 

6,250 00 

3,100 00 

10,000 00 

3,750 00 

1,500 00 

10,000 00 

77,200 00 

6,250 00 

500 00 

900 00 



Market Value. 

$31,940 00 

2,000 00 

1,020 00 

11,000 00 

15,000 00 

4,030 00 

10,600 00 

12,900 00 

3,800 00 

18,000 00 

100,360 00 

12,750 00 

500 00 

900 00 



$168,450 00 $224,80J 00 



Market Value. 

$6,880 00 

325 00 

4,550 00 

688 00 

7,500 00 

1,800 00 

15,000 00 

1,267 50 

900 00 

780 0Q 

1,016 82 

25,000 00 

150 00 

1,700 00 



Loaned Thereon. 

$6,500 00 

2,375 00 

1,700 00 

1,500 00 
9,000 00 

700 00 

1,700 00 

25,000 00 

150 00 

1,700 00 



$67,557 32 $50,325 00 



THE READING FIRE INSURANCE CO. 



319 



Summary of Assets Dec. 31, 1895. 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents, reinsurance, etc., .... 
Premiums more than three mos. clue, $827 04 
Gross assets, 



),921 00 

333,280 66 

3,801 64 

224,800 00 

50,325 00 

549 54 

52,900 63 

744 22 

28,645 27 

2,164 59 



$758,132 55 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Dividends to stockholders unpaid, 
State and local taxes, 
Commissions and brokerage, . 
Return premiums, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



115,440 82 

20,374 80 

9,180 06 

274,499 93 
3,956 92 
1,089 20 
1,000 00 
4,436 13 
3,613 88 
1,297 38 



334,889 12 

$423,243 43 

250,000 00 

$173,243 43 



Income, 






Fire premiums outstanding Dec. 31, 1894, 


$74,962 57 




Premiums on risks written or renewed, . 


424,161 26 




Total,. 


$499,123 83 




Premiums now in course of collection, . 


29,472 31 




Entire premiums collected, . 


$469,651 52 




Less reinsurance and return premiums, . 


87,072 77 




Net cash fire premiums received, 




$382,578 75 




Interest received on morto-a^es, 


• • • 


20,251 01 


Interest and dividends received from all other 


sources, . 


13,086 20 






1,851 23 


Income from commissions, . 


. ... 


1,329 55 


Gross cash income, 


$419,096 74 






00 






00 


Amount of insurance held as collateral, . 


. 350,357 


00 



320 THE EELIANCE INSURANCE CO. OF PHILADELPHIA. 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . „ . 

Cash dividends paid, . . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$247,897 63 
4,471 09 



$71 25 



$243,426 54 
20,064 40 
67,398 16 
11,255 50 
7,575 02 
31,091 17 

$380,810 79 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$47,175,094 00 
35,262,473 00 



$82,437,567 00 
35,756,803 00 



$46,680,764 00 
561,159 00 



$46,119,605 00 



Perpetual risks in force (not included above), $139,750 00 



Premiums. 

$567,577 41 
424,161 26 

$991,738 67 
447,772 95 

$543,965 72 
6,041 90 



$537,923 82 
$4,175 12 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, 

Cash dividends declared from organization of company 

Dividends declared during the year (8 per cent.), . 

Company's stock owned by directors, 



£3,759,552 00 

2,047,127 00 

221,314 00 

417,561 00 

20,000 00 

57,740 00 



"THE RELIANCE INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 21, 1841. Commenced business Aug. 9, 1844.] 

Paid-up Capital, $300,000. 

WILLIAM CHUBB, President. CHAS. J. WISTER, Jr., Secretary. 

Detailed Statement of Stocks and Bonds. 



United States bonds, 

City of Philadelphia bonds, 

City of Pittsburgh bonds, . 



Par Value. Market Value. 

115,000 00 $16,650 00 

46,000 00 47,980 00 

48,000 00 52,800 00 



City of Quincy, 111., bonds, 
City of Wilmington, Del., bonds, 
American Steamship Company bonds, 
United Company of New Jersey bonds, . 
Lehigh Coal & Navigation Co. bonds, 
Lehigh Valley Railroad Company bonds, 
Easton & Amboy Railroad Co. bonds, 
North Pennsylvania Railroad Co. bonds, . 
Louisville & Nashville Railroad Co. bonds, 
Northern Central Railroad Co. bonds, 
Philadelphia & Erie Railroad Co. bonds, . 
Philadelphia & Baltimore Central R.R. bonds 
Pennsylvania Railroad Co. bonds, . 
Steubenville & Ind. Railroad bonds, 
Pennsylvania Equipment Trust certificates, 
Camden & Atlantic Railroad bonds, . 
Pennsylvania & New York Canal Co. bonds, 
Car Trust of New York certificates, 
Allentown Terminal Railroad bonds, 
Philadelphia & Reading Railroad bonds, 
Delaware River Ferry Company bonds, . 
200 shares Commercial National Bank, . 
25 shares Mechanics' National Bank, 
Philadelphia Traction Company bonds, . ' 
People's Passenger R'y Co. stock certificates, 
American Water Works Co. bonds, . 
New York & Long Branch R.R. Co. bonds, 
Second Avenue Traction Co., Pittsburgh bonds 
International Navigation Co. bonds, 
Huntingdon & B. T. Mt. R.R. & Coal Co. bds, 



OF PHILADELPHIA. 321 


Tar Value. 


Market Value. 


$15,000 00 


$15,150 00 


20,000 00 


21,500 00 


5,000 00 


5,100 00 


5,000 00 


5,500 00 


20,000 00 


20,800 00 


45,000 00 


46,500 00 


20,000 00 


21,800 00 


15,000 00 


17,500 00 


8,000 00 


9,280 00 


10,000 00 


11,350 00 


25,000 00 


29,500 00 


10,000 00 


10,600 00 


4,000 00 


4,689 00 


10,000 00 


11,100 00 


15,000 00 


15,000 00 


30,000 00 


31,500 00 


60,000 00 


62,600 00 


1,000 00 


1,000 00 


15,000 00 


15,300 00 


10,000 00 


9,900 00 


10,000 00 


10,300 00 


10,000 00 


9,000 00 


2,500 00 


2,725 00 


5,000 00 


5,150 00 


10,000 00 


9,300 00 


10,000 00 


8,500 00 


5,000 00 


5,700 00 


s, 15,000 00 


15,450 00 


5,000 CO 


5,200 00 


10,000 00 


10,500 00 



$534,500 00 $564,915 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $90,000 00 

Loans on mortgage of real estate (first liens*), 221,260 00 

Interest due or accrued thereon, . . . 2,630 80 

Stocks and bonds, as per schedule, . . .. 564,915 00 

Cash in the office of the company, . . . 513 17 

Cash deposited in bank, 26,732 81 

Premiums in course of collection (gross), . 46,928 51 

Rents due and accrued, 331 50 

Perpetual insurance deposit, .... 585 00 

Gross assets, 



$953,896 79 



* Value of lands mortgaged, . . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$202,600 00 
257,400 00 
159,116 00 



322 



THE RELIANCE INSURANCE CO. OF PHILADELPHIA. 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



$11,805 22 

29,307 23 

6,607 49 



,719 94 
7,721 63 



$39,998 31 

237,839 87 

132,642 38 

9,256 35 

9,932 94 



$429,669 85 

$524,226 94 
300,000 00 



$224,226 94 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Income from all other sources, 

Deposits received for perpetual fire risks, 



Gross cash income, 



Expenditures 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employ 
for State and local taxes, 
for incidentals, 

Deposits returned on perpetual fire risks, 
Gross cash expenditures, . 



$39,503 09 
400,134 10 



$439,637 19 
46,928 51 



$392,708 68 
83,441 97 



sources, 



1,627 25 



$163,146 23 
13,593 54 



ees, 



J,683 21 



$309,266 71 

7,705 79 

27,836 50 

873 82 

261 37 



$345,944 19 



$149,552 69 
18,000 00 
75,340 69 
25,637 31 
7,983 10 
15,771 04 



$292,284 83 



ROCHESTER GERMAN INSURANCE CO. 



323 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



. $36,550,974 00 
. 36,788,567 00 



. $73,339,541 00 
. 30,671,848 00 



.$42,667,693 00 
. 3,934,552 00 



,733,141 00 



Perpetual risks in force (not included above), f 5,273,994 00 

Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



Premiums. 

$421,195 83 
400,134 10 



$821,329 93 
330,051 83 

$491,278 10 
45,913 77 

$445,364 33 
$143,397 17 



$4,043,653 00 

2,504,773 00 

164,045 00 

826,597 00 

18,000 00 

42,550 00 



"ROCHESTER GERMAN INSURANCE COMPANY OF ROCHESTER, 
NEW YORK," ROCHESTER, N. Y. 

[Incorporated Feb. 16, 1872. Commenced business Feb. 23, 1872.] 

Paid-up Capital, $200,000. 

FREDERICK COOK, President. H. F. ATWOOD, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

Rochester Railway bonds, .... $165,000 00 

Georgia State bonds, . . . . . 25,000 00 

German- American Bank of Rochester stock, . 10,000 00 

Rochester Title Insurance Company stock, . 10,000 00 



Market Value. 

$171,600 00 
25,000 00 
17,500 00 
10,000 00 



$210,000 00 $224,100 00 

Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $191,855 73 

Loans on mortgage of real estate (first liens*), 349,115 00 

Interest due or accrued thereon, . . . 8,304 53 

Stocks and bonds, as per schedule, . . . 224,100 00 

Cash in the office of the company, . . . 1,125 02 

Cash deposited in bank, . . . . . 79,340 19 

* Value of lands mortgaged, $413,340 00 

Value of buildings thereon, . . . . . . 470,650 00 

Amount of insurance held as collateral, . . . 341,575 00 



324 



ROCHESTER GERMAN INSURANCE CO. 



Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



Liabilities. 

Losses adjusted, unpaid, . . . . 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



Income. 



$2,062 50 
55,879 87 



$5,660 51 

22,030 93 

299,145 83 

1,390 64 

$328,227 91 
2.636 69 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, . . 
Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest received on mortgages, .... 
Interest and dividends received from all other sources, 

Income from rents, 

Income from all other sources, .... 



r ,531 29 
537,941 89 

$605,473 18 
55,879 87 

$549,593 31 
167,243 71 



$911,782 84 
25,000 00 

$886,782 84 



$325,591 22 



$561,191 62 
200,000 00 



$361,191 62 



$382,349 60 
16,879 09 

8,658 85 
10,473 13 

9,962 61 



Gross cash income, $428,323 28 



Expenditures. 

Cash paid for fire losses, $215,090 90 

Deduct salvage and reinsurance, . . . 24,885 71 

Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, 



$190,205 19 
20,000 00 
87,203 87 
28,128 18 
13,232 33 
32,974 21 

$371,743 78 



RUTGERS FIRE INSURANCE CO. 



325 



Fire risks outstanding Deo. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

,596,619 00 |724,012 33 
46,829,172 00 537,941 89 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$111,425,791 00 $1,261,954 22 
52,325,615 00 629,479 22 



$59,100,176 00 $632,475 00 
1,452,166 00 9,758 91 



$57,648,010 00 $622,716 09 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), . 
Company's stock owned by directors, .... 



$7,542,956 00 

4,351,547 00 

184,895 00 

399,000 00 

20,000 00 

39,325 00 



" RUTGERS FIRE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated Oct. 3, 1853. Commenced business Oct. 10, 1853.] 

Paid-up Capital, $200,000. 

EDWARD B. FELLOWS, President. HENRY C. KREISER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. 

District of Columbia bonds, . . . $50,000 00 

240 shares N. Y. Cen. & Hudson River R.R., 
300 
466 
300 
50 
187 



Delaware, Lacka. & Western R.R., 
Delaware & Hudson Canal Co., 
Consolidated Gas Company, N. Y., 
Long Island Railroad, 
Tradesmen's National Bank, N. Y., 



24,000 00 
15,000 00 
46,600 00 
30,000 00 
2,500 00 
7,480 00 



Market Value. 

$57,000 00 
24,000 00 
24,000 00 
58,250 00 
44,700 00 
2,200 00 
7,480 00 



$175,580 00 $217,630 00 



Summary op Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $69,500 00 

Loans on mortgage of real estate (first liens*), 28,700 00 

Interest due or accrued thereon, . . . 350 83 

Stocks and bonds, as per schedule, . . . 217,630 00 

Cash in the office of the company, . . . 693 37 

* Value of lands mortgaged, $44,500 00 

Value of buildings thereon, 26,500 00 

Amount of insurance held as collateral, .... 26,050 00 



326 



RUTGERS FIRE INSURANCE CO. 



Cash deposited in bank, $17,782 84 

Interest due and accrued, 1,751 43 

Premiums in course of collection (gross), ; 14,467 51 
Premiums more than three mos. due, $248 00 

Gross assets, 

Liabilities. 

Losses adjusted, unpaid, $534 93 

claimed and reported, .... 13,898 98 

disputed or resisted, .... 2,000 00 

Unearned premiums on outstanding risks, . 59,941 64 

Due and accrued for rent, salaries, etc., . . 77 79 

State and local taxes, . . ... 68 25 

Commissions and brokerage, .... 2,967 04 

Return premiums and reinsurance, . . . 1,765 63 

Gross liabilities, except capital, — 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 

Income 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, . 

Net collected, . . . . 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 



Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Income from rents, . . . . 



Gross cash income, 



$9,477 79 
53 77 

$9,424 02 
121,138 03 

$ 130,562 05 
14,715 51 

$115,846 54 
14,559 15 



$350,875 98 



81,254 26 

$269,621 72 
200,000 00 



,621 72 



$101,287 39 
1,680 00 
9,926 39 
2,285 00 

$115,178 78 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash dividends paid,. ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and emplo3 7 ees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, . . . 



$45,732 86 
566 54 



$45,166 32 

16,000 00 

23,129 22 

11,603 31 

2,636 86 

6,211 18 



$104,746 89 



SECURITY INSURANCE CO. 



327 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$11,249,708 00 $118,356 50 
11,271,918 00 121,138 03 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$22,521,626 00 $239,494 53 
10,698,337 00 117,077 60 



$11,823,289 00 $122,416 93 
216,919 00 2,068 51 



$11,606,370 00 $120,348 42 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



53,617,114 00 

1,535,421 00 

49,605 00 

1,118,000 00 

16,000 00 

50,600 00 



"SECURITY INSURANCE COMPANY OF NEW HA YEN," 
NEW HAVEN, CONN. 

[Incorporated April, 1841. Commenced business April, 1841.] 

Paid-tjp Capital, $200,000. 

CHAS. S. LEETE, President. H. MASON, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Tradesmen's Nat'l Bank, New Haven, stock, . $16,000 00 $22,720 00 

Second National Bank, New Haven, stock, . 11,700 00 19,890 00 

Merchants National Bank, New Haven, stock, 25,000 00 22,500 00 

Yale National Bank, New Haven, stock, . . 17,800 00 21,004 00 

New Haven National Bank, New Haven, stock, 21,000 00 35,700 00 

New Haven Co. Nat'l Bank, New Haven, stock, 18,830 00 26,362 00 

First National Bank, New Haven, stock, . . 13,300 00 18,620 00 

American Exchange Nat'l Bank, N. Y., stock, 10,000 00 17,000 00 

Western National Bank, New York, stock, . . 7,500 00 8,625 00 

Southern New England Telephone Co., stock, 5,000 00 5,000 00 

New York Steam Power Co. stock, . . . 2,500 00 1,543 33 

Chicago, Rock Island & Pacific Railroad stock, 11,000 00 7,480 00 

Cleveland, Cincinnati, Chicago & St. Louis R'y, 10,000 00 9,300 00 

Macon (Ga.) Gas Light & Water Co. bonds, . 10,000 00 6,500 00 

Minneapolis & St. Louis Railroad bonds, . 4,000 00 4,680 00 

Savannah & Western Railroad bonds, . . 10,000 00 1,574 40 

New York & New England Railroad bonds, . 28,000 00 32,970 00 

New York, New Haven & Hartford Railroad, 5,000 00 6,800 00 



328 



SECURITY INSURANCE CO. 



Columbus & Hocking Coal & Iron Co. bonds, . 

Southern Railway bonds, 

Southern New England Telephone Co. bonds, 
City of Indianapolis bonds, .... 
City of Omaha, Neb., bonds, .... 
City of Superior, Wis., bonds, .... 
Town of Wallingford bonds, .... 



Securities held as collateral for cash loans : — 

Merchants' Nat'l Bank, New Haven, stock, 
Birmingham Natl Bank, Bir.,Conn., stock, . 
N. Y. Economical Printing Co. stock, 
Southern New Eng. Telephone Co. stock, 
Morris & Essex Railroad Co. stock, . 
City Bank, New Haven, stock, . . 
Mechanics 1 Bank, New Haven, stock, 
Merchants' Nat'LBank, New Haven, stock, 
New Haven Water Co. stock, . 
Mercantile S. D. Co., New Haven, stock, . 



Par Value. 

$10,000 00 

10,000 00 

6,000 00 

8,650 00 

10,000 00 

10,000 00 

8,500 00 



Market Value. 

f 8,000 00 
9,100 00 
6,050 00 
8,650 00 
10,800 00 
10,000 00 
8,500 00 



$289,780 00 $329,368 73 



Market Value. 

$450 00 
3,400 00 

750 00 
5,000 00 ) 
1,237 50 S 
4,026 00^ 

390 00 | 

450 00 } 
1,515 00 j 

600 00 J 



Loaned Thereon. 

$2,500 00 

570 00 
4,500 00 

5,500 00 



$17,818 50 $13,070 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . . 

Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents, etc., due and accrued, 
Gross assets, . . 



$78,600 00 

132,145 00 

1,988 94 

329,368 73 

13,070 00 

148 37 

64,401 92 

587 96 

78,973 04 

4,120 21 

77 a9 



$703,481 56 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 



$20,499 36 

30,610 52 

3,000 00 

$54,109 88 
13,111 84 • 

$40,998 04 



* Value of lands mortgaged, . 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$310,065 00 
115,900 00 
115,900 00 



SECURITY INSURANCE CO. 



329 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$342,824 94 

17,360 46 

1,284 04 

5,166 78 



$107,634 26 



$295,847 30 
200,000 00 

,847 30 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 

Total, . . . . 
Premiums now in course of collection, 



Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other sources, 

Gross cash income, 



$52,437 17 
2,947 07 



$49,490 10 
618,062 40 


$667,552 
74,309 


50 
03 


$593,243 47 
132,993 53 


$2,603 
99,901 


23 

12 


$102,504 35 
4,664 01 


$97,840 34 
45,000 87 



$460,249 94 



52,839 47 

7,073 92 

16,959 35 

$537,122 68 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, . . 
Net cash paid for fire losses, . . . 
Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

Gross cash expenditures, . . . . 



$255,304 80 
25,494 00 

$95,620 50 
42,848 19 



$229,810 80 



52,772 31 

12,000 00 

113,386 46 

47,362 04 

4,904 53 

$460,236 14 



330 



SPRING GARDEN INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dee. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 
Deduct amount reinsured, 

Net amount in force, . 



. $56,658,021 00 
. 59,781,928 00 



Premiums. 

$571,816 52 
618,062 40 



$116,439,949 00 $1,189,878 92 
499,413 72 



• to,ouo,t;iw 




. $67,631,390 00 
. 4,604,369 00 


. $63,027,021 00 

. $504,715 00 
. 5,050,876 00 


. $5,555,591 
. 5,051,571 


00 
00 


. $504,020 00 
138,670 00 


. $365,350 


00 



$690,465 20 
61,296 44 

$629,168 76 

$16,945 48 
99,901 12 



$116,846 60 
100,311 31 



$16,535 29 
3,981 07 

$12,554 22 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 



$8,949,755 00 

6,121,005 00 

223,214 00 

53,484 00 

427,281 00 

12,000 00 

57,520 00 



" SPRING GARDEN INSURANCE COMPANY," PHILADELPHIA, PA. 

[Incorporated April 15, 1835. Commenced business Aug. 29, 1835.] 

Paid-up Capital, $400,000. 

CHAS. ROBERTS, President. CLARENCE E. PORTER, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

City of St. Joseph bonds $20,000 00 $22,200 00 

Pittsburgh, Cin. & St. Louis R.R. bonds, . . 30,000 00 34,575 00 

Lehigh Valley Railroad bonds, . . . 20,000 00 25,300 00 

People's Passenger Railway bonds, . . . 10,000 00 11,800 00 

Lehigh Coal & Navigation Company bonds, . 20,000 00 26,400 00 

American Steamship Company bonds, . . 5,000 00 5,112 00 

Terre Haute & Logansport Railroad bonds, . 20,000 00 21,400 00 



SPRING GARDEN INSURANCE CO. 



331 



Cleve., Columbus, Cin. & Ind. R.R. bonds, 
Jacksonville, Louisville & St. Louis R.R. bYls, 
Columbus & Cincinnati Midland R.R. bonds, 
Zanesville & Ohio River Railroad bonds, 
Clearfield & Jefferson Railroad bonds, . 
Jacksonville, Tampa & Key West R.R. bonds 
Philadelphia & Reading Railroad bonds, 
Penn. & New York Canal & R.R. bonds, 
Allegheny Valley Railroad bonds, . 
Philadelphia & Reading Railroad bonds, . 
Robert H. Coleman bonds, 
Bloomington City (111.) Railway bonds, . 
Pennsylvania & Northwestern Railroad bonds 
Bells Gap Railroad bonds, 
Pennsylvania Steel Company bonds, 
Camden & Atlantic Railroad bonds, 
Sunbury, Hazelton & Wilkesbarre R'y bonds 
Philadelphia & Reading Railroad bonds, 
Wilmington & Northern Railroad bonds, 
Camden, N. J., Horse Railroad bonds, 
Rochester, N. Y., Railway bonds, 
Phila., Reading & New England R.R. bonds, 
Mortgage Trust Co. of Pennsylvania bonds, 
200 shares Penn. National Bank of Phila., 
Oglethorpe Savings & Trust Co., Savannah 

Ga., certificate, 

Chicago & Western Ind. Railroad bonds, 
Easton & Amboy Railroad bonds, . 
Sanitary Dist. of Chicago, 111., bonds, 
People's Passenger Railway Company bonds 
International Navigation Co. of N. J. bonds, 
Philadelphia & Reading Railroad bonds, 
Northern Pacific R.R. & Land Grant bonds, 
Cleveland Electric Railway Company bonds, 
Bells Gap Railroad Company bonds, 
Lehigh Valley Coal Company bonds, 
Jacksonville Southeastern Railway Co. bonds 
New York & Long Branch Railroad bonds, 
Chamberlin Investment Co. (Denver), . 
Steubenville & Indiana R.R. bonds, 
St. Louis Merchants' 1 Bridge Term. R'y, • 
Baltimore Traction Co. bonds, 
Schuylkill River East Side Railroad bonds, 
Lehigh Valley Railway Co. N. Y. bonds, 
United Gas Improvement Co. bonds, 
Electric & People's Traction certificates, 
Buffalo Railway Co. bonds, 



Par Value. 

$10,000 00 
21,000 00 
20,000 00 
10,000 00 
15,000 00 
10,000 00 
24,000 00 
10,000 00 
20,000 00 
10,000 00 
5,000 00 
27,000 00 
25,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
25,000 00 
15,000 00 
10,000 00 
30,000 00 
25,000 00 

, 10,000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

20,000 00 

10,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

7,000 00 

10,000 00 

6,000 00 

5,000 00 

10,000 00 

20,000 00 

3,000 00 

5,000 00 

10,000 00 

30,400 00 

5,000 00 



Market Value. 

$12,500 00 
10,500 00 
15,000 00 

1,500 00 
17,250 00 

8,000 00 
23,760 00 
10,900 00 
25,800 00 
10,525 00 

5,000 00 

8,100 00 
25,500 00 
17,250 00 
10,300 00 
11,800 00 
10,700 00 
13,500 00 
26,250 00 
15,750 00 
10,450 00 
12,000 00 
25,000 00 
17,000 00 

6,000 00 

17,250 00 

10,875 00 

10,800 00 

18,500 00 

10,150 00 

10,400 00 

11,450 00 

5,175 00 

5,500 00 

5,100 00 

7,000 00 

11,400 00 

1,800 00 

5,550 00 

10,100 00 

20,400 00 

3,270 00 

5,150 00 

10,600 00 

20,824 00 

5,250 00 



$728,400 00 $703,666 00 



332 



SPRING GARDEN INSURANCE CO. 



Securities held as collateral for cash loans : — 

Lehigh Valley Railroad bonds, 

Phila , Reading & New England R.R. bonds, . 

Cohansey Glass Manuf. Co. (N. J.) scrip, 

33 shares Cohansey Glass Manuf. Co., N. J., . 



Market Value. Loaned Thereon. 

f 15,180 00 $13,500 00 
6,630 00^ 

3,400 00 > 12,000 00 
3,300 00 ) 



$28,510 00 $25,500 00 



Summary of Assets Dec. 31, 1895 



Cash value of unencumbered real estate, 



st liens*) 



Loans on mortgage of real estate (fir 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Loans on collateral security, as per 
Cash in the office of the company, 
Cash deposited in bank, . * 
Interest due and accrued, . 
Premiums in course of collection (g 
Notes taken for fire risks, 
Rents due and accrued, 
Reclaimable on perpetual policies, 
Premiums more than three mos. due, $316 13 
Gross assets, 



schedule, 



ross) , 



$338,800 00 

190,150 00 

3,952 02 

703,666 00 

25,500 00 

2,011 53 

28,433 15 

808 33 

107,204 20 

420 00 

800 83 

225 00 



$1,401,971 06 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . . 
Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Reclaimable on perpetual fire policies, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions, brokerage, etc., . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . 



$14,204 70 

34,885 45 

6,789 67 

$55,879 82 
6,567 58 



),312 24 

348,981 91 

377,006 49 

1,564 75 

1,680 00 

47,118 21 

34,501 26 



860,164 86 

$541,806 20 
400,000 00 

$141,806 20 



* Total value of property mortgaged, 
Amount of insurance held as collateral, 



$349,275 00 
182,850 00 



SPRING GARDEN INSURANCE CO. 



333 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash 'fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 

Income from all other sources, 

Deposits received for perpetual fire risks, 

Gross cash income, . 



$49,062 28 
98 16 



*,964 12 
677,671 85 

|726,635 97 
107,520 33 

$619,115 64 
161,157 37 



sources, 



),439 22 



$457,958 27 

13,120 45 

33,026 20 

3,349 08 

1,011 27 



,465 27 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, .... 

for expenses on real estate, 
Deposits returned on perpetual fire risks, 

Gross cash expenditures, . 



$274,248 20 
44,770 29 



$10,368 47 



$229,477 91 
32,000 00 
102,237 13 
18,277 24 
18,605 71 
32,628 62 
1,929 78 



$435,156 39 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 
Perpetual risks in force (not included 
above), 



.$55,561,054 00 
. 66,708,079 00 



$122,269,133 00 
50,659,625 00 

.$71,609,508 00 
. 8,340,321 00 

. $63,269,187 00 

$17,368,905 00 



Premiums. 

$622,976 43 
677,671 85 

1,300,648 28 
566,136 40 

$734,511 88 
95,087 52 

$639,424 36 

$413,340 54 



334 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (8 per cent.), . 
Company's stock owned by directors, .... 



$3,765,263 00 

231,007 00 

1,801,215 00 

32,000 00 

65,800 00 



"ST. PAUL FIRE AND MARINE INSURANCE COMPANY," 

ST. PAUL, MINN. 

[Incorporated May, 1865. Commenced business May, 1865.] 

Paid-up Capital, $500,000. 

C. H. BIGELOW, President. A W. PERRY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

320 shares First National Bank, St. Paul, . $32,000 00 $76,800 00 

500 " Merchants National Bank, St. Paul, 50,000 00 95,000 00 

50 " Second National Bank, St. Paul, . 5,000 00 13,400 00 

130 " Bank of Minnesota, St. Paul, . . 13,000 00 16,900 00 

332 " St. Paul National Bank, St. Paul, . 33,200 00 29,880 00 

45 " First National Bank, Alexandria, . 4,500 00 5,850 00 

60 " Flour City Nat'l B'k, Minneapolis, . 6,000 00 6,000 00 

50 " St. Paul Trust Co., St. Paul, . . 5,000 00 3,750 00 

50 " West Publishing Co., St. Paul, . 2,500 00 3,750 00 

30 " First National Bank, St. Peter, . 3,000 00 4,050 00 

50 " First National Bank, Stillwater, . 5,000 00 7,250 00 

45 " Northwestern N'l B'k, Minneapolis, 4,500 00 6,750 00 

125 " First National Bank, Minneapolis, . 12,500 00 12,500 00 

60 " American Exchange Bank, Duluth, 6,000 00 10,500 00 

100 " First National Bank, Duluth, . . 10,000 00 12,500 00 

50 " Northwestern Nat'l B'k, Superior, . 5,000 00 5,000 00 

40 " Pioneer Press Co., . . . . 2,000 00 1,500 00 

100 " North American Telegraph Co., . 10,000 00 10,000 00 

State of Georgia bonds, 25,000 00 28,750 00 

Chic, St. Paul, Minneapolis & Omaha R'y b'ds, 50,000 00 62,000 00 

C. N. Nelson Lumber Co., Minnesota, bonds, . 10,000 00 10,000 00 

City of Faribault, Minn., bonds, . . . 25,000 00 25,000 00 

City of Jordan, Minn., bonds, .... 33,000 00 33,000 00 

Town of Vernon Centre, Minn., bonds, . . 3,000 00 3,000 00 

Town of Jo Davies, Minn., bonds, . . . 5,500 00 5,500 00 

Town of Elmore, Minn , bonds, . . . 6,500 00 6,500 00 

Town of Garden City, Minn., bonds, . . 500 00 500 00 

Town of Winnebago City, Minn., bonds, . . 10,000 00 10,000 00 

Village of Winnebago City, Minn., bonds, . 5,000 00 5,000 00 

Town of Pilot Grove, Minn., bonds, . . . 5,000 00 5,000 00 

Town of Mazeppa, Minn., bonds, . . . 5,000 00 5,000 00 

Town of Blue Earth City, Minn., bonds, . . 36,000 00 36,000 00 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



335 



County of Pine, Minn., bonds, .... 
County of Rock, Minn., bonds, .... 
County of Dawson, Mont., bonds, 
County of Kidder, N. D., bonds, 
County of Barnes & Cass, N.D., School Dist. b'ds, 
County of Carver, Minn., School Dist. bonds, . 
School Dist. 11, Big Stone County, Minn., b'ds, 
County of Jerauld, S. D., School Township b'ds, 
County of Barnes & Cass, N.D., School Dist. b'ds, 



Securities held as collateral for cash loans : - 

100 shares Merchants N'l B'k, St. Paul,*Minn., 
65 " Bank of Minnesota, St. Paul, Minn., 

471 " Savings Bank, St. Paul, Minn., 
54 " Minn. Land and Investment Co., . 
77 " Minneapolis Union Elevator Co , . 

295 " Farwell, Ozmun, Kirk & Co., stock, 
St. Paul, , 

200 " Lake Superior Elevator Co. stock, 
Duluth, and real estate deed, 

300 " North American Telegraph Co., 
50 " First Nat'l B'k, Little Falls, Minn., 
70 " Strong-Hackett Hardware Co., 
75 " Rutland Co. N'l B'k, Rutland, Vt., . 
65 " First Nat'l Bank of Pembina, N. D., 
30 " St. Paul Title Ins. and Trust Co., . 

124 " Pioneer Press Co , St. Paul, Minn., . 

Little Falls, Minn., Electric and Water Co. b'ds, 

Little Falls, Minn., Water Power Co., 

500 shares Spring Valley Coal Co., 

500 " St. Paul Foundry Co., 
5 " St. Paul National Bank, 
10 " West Side Bank, . 
10 " Germania Bank, 



Par Value. 

$4,500 00 
24,000 00 
1,500 00 
9,000 00 
8,000 00 
3,500 00 
3,000 00 
1,200 00 
2,100 00 



Market Value. 

84,500 00 

24,000 00 

1,500 00 

9,000 00 

8,000 00 

3,500 00 

3,000 00 

1,200 00 

2,100 00 



$485,500 00 $613,430 00 



Market Value. Loaned Thereon. 



$19,000 00 

8,450 00 

65,940 00 

16,200 00 

10,010 00 



$13,000 00 

4,900 00 

60,600 00 

11,000 00 

8,500 00 



32,450 00 19,700 00 



15,800 00 

30,000 00 

7,500 00 

7,000 00 

10,500 00 

7,150 00 

3,000 00 

4,650 00 

31,500 00 

22,500 00 

37,500 00 

25,000 00 

450 00 

1,000 00 

1,000 00 



} 



7,500 00 

24,000 00 

5,000 00 

2,500 00 

7,500 00 

5,500 00 

2,400 00 

3,200 00 

25,000 00 

11,606 03 

36,000 00 
1,600 00 



$356,600 00 |249,506 03 



SUMMAKY OF ASSETS DEC. 31, 1895.* 

Cash value of unencumbered real estate, . ■ $458,827 19 
Loans on mortgage of real estate (first liensf), 508,899 93 
Stocks and bonds, as per schedule, . . . 613,430 00 

* The company holds, also, instalment premium notes to the amount of $2,225.01 which do 
not enter into nor form any part of the assets of the company, as no portion of them is earned. 
Whatever value is attached to them would necessarily be counterbalanced by the addition of an 
amount exactly equal to the reinsurance liability, the entire sum consisting of " unearned pre- 
miums." 

f Value of lands mortgaged, $719,732 00 

Value of buildings thereon, 535,718 00 

Amount of insurance held as collateral, . . . 428,575 00 



336 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Gross assets, 

Deduct special deposits in other States, . 



Balance, 



$249,506 03 

10,887 57 

105,435 34 

190,110 37 

27,863 01 



$2,164,959 44 
28,750 00 

$2,136,209 44 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$32,558 38 
78,017 22 
13,333 50 

$123,909 10 
4,856 98 

$119,052 12 

885,933 64 

28,516 55 

26,566 80 

1,060,069 11 
16,711 82 



1,043,357 29 

11,092,852' 15 
500,000 00 

$592,852 15 



Income. 

Fire premiums outstanding Dec. 31, 1894, -. $162,723 76 

Premiums on risks written or renewed, . . 1,375,145 53 

Total, ........ $1,537,869 29 

Premiums now in course of collection, . . 190,110 37 

Entire premiums collected, .... $1,347,758 92 

Less reinsurance and return premiums, . . 225,934 31 

Net cash fire premiums received, . . . ■$ 1,121,824 61 

Marine premiums outstanding Dec. 31, 1894, . $ 26,556 67 

Premiums on risks written or renewed, . . 223,183 79 

Total, $249,740 46 

Premiums now in course of collection, . . 27,863 01 

Entire premiums collected, .... $221,877 45 

Less reinsurance and return premiums, . . 27,893 50 

Net cash marine premiums received, . . 193,983 95 



ST. PAUL FIRE AND MARINE INSURANCE CO. 



;37 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from rents, 



$38,412 49 

67,157 75 

8,492 53 



Gross cash income, $1,429,871 33 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes,. 

for incidentals, 

Gross cash expenditures, .... 



$081,559 53 
28,969 50 



$173,792 79 
25,517 34 



$652,590 03 



148,275 45 
50,000 00 

283,307 33 
63,553 43 
27,581 61 
82,076 43 

. $1,307,384 28 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



$124,536,919 00 
91,698,308 00 

$216,235,227 00 
85,525,079 00 

$130,710,148 00 
5,228,040 00 



Premiums. 

^,674,258 62 

1,375,145 53 

53,049,404 15 

1,301,612 50 

11,747,791 65 

70,553 72 



125,482,108 00 $1,677,237 93 



$3,026,116 00 
20,338,504 00 



$23,364,620 00 
19,865,555 00 



$108,289 73 
223,183 79 

$331,473 52 
212,764 88 



$3,499,065 00 $118,708 64 






Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, 



$19,741,523 00 

12,568,550 00 

611,799 00 

148,719 00 

1,246,694 00 

50,100 00 

180,300 00 



338 



TRADERS INSURANCE CO, 



"TRADERS 1 INSURANCE COMPANY," CHICAGO, ILL. 

[Incorporated February, 1865. Commenced business May, 1872.] 
Paid-up .Capital, $500,000. 
E. BUCKINGHAM President. R. J. SMITH, Secretary. 

Detailed Statement of Stocks and Bonds. 

• Par Value. Market Value. 

United States bonds, $150,000 00 $163,500 00 

Chicago Packing & Provision Co. bonds, . . 25,000 00 25,000 00 

Chic. & South Side Rapid Transit R.R. Co. bd's, 45,000 00 18,000 00 

American Exchange National Bank stock, . 25,000 00 25,000 00 

National Bank of America stock, . . . 30,000 00 37,800 00 

Union National Bank stock, . . . ' . 20,000 00 22,000 00 

Continental National Bank stock, . . . 32,500 00 40,950 00 

Corn Exchange Bank stock, . . . ' . 10,000 00 26,000 00 

Chicago & Northwestern Railway stock, . 65,000 00 76,250 00 

Chicago & Alton Railroad stock, . . . 25,000 00 40,000 00 

Chicago City Railway stock, .... 150,000 00 450,000 00 

Chicago West Division Railway stock, . . 6,800 00 40,800 00 

West Chicago Street Railroad stock, . . 11,500 00 12,650 00 

North Chicago City Railway stock, . . . 5,000 00 25,000 00 

North Chicago Street Railroad stock, . . 50,000 00 152,000 00 

National Railway stock, 56,700 00 62,370 00 

Davenport & Rock Island Railroad stock, . 10,000 00 10,000 00 

Central Music Hall stock, .... 2,200 00 7,700 00 

Town of Cicero warrants, . . . . 9,842 97 9,039 55 

Mutual Fuel Gas Co. stock, .... 13,600 00 17,000 00 

Chicago, Milwaukee & St. Paul R'y stock, . 20,000 00 25,600 00 

Chicago Leasehold Trustees stock, . . . 25,000 00 26,250 00 

Universal Gas Association stock, . . . 5,440 00 5,440 00 



Securities held as collateral for cash loans' 

Chicago Auditorium Association bonds, . 
500 shares Chicago Herald Company, 
150 shares Congress Hotel Company, 



|793,582 97 $1,318,349 55 



Market Value. Loaned Thereon. 



$25,000 00 

50,000 00 

1,500 00 



|22,500 00 
25,000 00 



f76,500 00 $47,500 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $6,312 37 

Loans on mortgage of real estate (first liens*), 223,550 00 

Interest due or accrued thereon, . . . 3,929 97 

Stocks and bonds, as per schedule, . . . 1,318,349 55 

Loans on collateral security, as per schedule, . 47,500 00 

Cash in the office of the company, . . . 1,465 05 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$278,113 00 
287,229 00 
207,046 00 



traders' INSURANCE CO. 



339 



Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Reinsurance due, 

Premiums more than three mos. due, $532 63 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Bills payable, ...... 

Reinsurance disallowed, . . . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



$72,351 85 

5,862 50 

52,453 43 

15,485 10 



$1,747,259 82 



822,636 16 
51,466 32 
21,465 90 

$95,568 38 
6,919 56 

$88,648 82 

462,003 75 

7,286 94 

10,326 40 

25,410 40 



593,676 31 

. $1,153,583 51 
500,000 00 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $57,457 17 

Premiums on risks written or renewed, . . 833,694 10 

Total, $891,151 27 

Premiums now in course of collection, . . 52,986 06 

Entire premiums collected, .... $838,165 21 

Less reinsurance and return premiums, . . 168,785 28 

Net cash fire premiums received, . . . 

Interest received on mortgages, . . , . 
Interest and dividends received from all other sources, . 



$653,583 51 



$669,379 93 
14,706 17 
56,644 43 



Gross cash income, $740,730 53 



Expenditures. 

Cash paid for fire losses, . . . . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$387,588 45 
28,546 22 



$359,042 23 
50,000 00 
107,048 10 
57,612 00 
19,162 37 
50,672 08 



Gross cash expenditures, . 



$643,536 78 



340 



UNION INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . 



.$58,271,088 00 
. 57,040,874 00 

$115,311,962 00 
49,931,262 00 

. $65,380,700 00 
. 3,907,952 00 



Premiums. 

$886,542 72 
833,694 10 



,720,236 82 
751,083 95 

$969,152 87 
57,859 52 



4,472,748 00 $911,293 35 



Miscellaneous. 

Premiums received from organization of company, . 
Losses paid from organization of company, . 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent.), 
Company's stock owned by directors, .... 



$10,980,039 00 

6,816,347 00 

360,945 00 

1,172,500 00 

50,000 00 

122,200 00 



"UNION INSURANCE COMPANY OF PHILADELPHIA," 
PHILADELPHIA, PA. 

[Incorporated Feb. 6, 1804. Commenced business July 25, 1803.] 

Paid-up Capital, $200,000. 

CHAS S. HOLLINSHEAD, President. E. R. DANNELS, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $10,000 00 $11,350 00 

Baltimore & Ohio R.R. bonds, .... 25,000 00 29,750 00 

Susquehanna Coal Co. bonds 10,000 00 11,850 00 

American Steamship Co. bonds, . . , 6,000 00 6,150 00 

Steubenville & Indiana R.R. bonds, . . . 15,000 00 16,650 00 

Chesapeake & Delaware Canal Co. bonds, , 15,000 00 7,800 00 

Philadelphia & Reading R.R. Co. bonds, . . 56,329 00 55,630 52 

New York Car Trust bonds 20,000 00 20,000 00 

Shamokin, Sunbury & Lewisburg R.R. bonds, 4,000 00 4,120 00 

Perkiomen R.R. Co. bonds, .... 13,000 00 13,130 00 

Huntingdon & Broad Top Car Trust bonds, , 10,000 00 10,000 00 

Sunbury & Lewistown Railway Co. bonds, . 7,000 00 7,280 00 

Lehigh Valley R.R. Co. bonds,. . . . 10,000 00 12,650 00 

North Pennsylvania R.R. Co. bonds, . . 2,000 00 2,280 00 

Hestonville, Mantua & Fair. Pass. R.R. bonds, 20,000 00 22,200 00 

People's Passenger Railway Co. bonds, . . 11,000 00 11,935 00 

Lehigh Coal & Navigation Co. bonds, . . 10,000 00 10,350 00 

Cincinnati, Dayton & Ironton R."R. bonds, , 5,000 00 5,350 00 

Terminal R.R. Asso. of St. Louis bonds, . , 5,000 00 5,150 00 

Atlantic City R.R Co. bonds, .... 6,000 00 6,180 00 

Union Traction Co. trust certificates, . . 5,000 00 3,425 00 



UNION INSURANCE CO. 



ill 



100 shares Little Schuylkill R.R. Co., 



200 
136 

48 
88 
68 
88 
100 
100 



Pennsylvania R.R. Co., . 
North Pennsylvania R.R. Co., 
Delaware R.R. Co., . 
Delaware Insurance Co., . 
Philadelphia National Bank, . 
Farmers and Mechanics Nat'l Bank 
Philadelphia Traction Co., 
13th & 15th Streets Pass. R'y Co., 



Securities held as collateral for cash loans : — 

25 shares Corn Exchange National Bank, 
14 shares Common w'th Title Ins. & Trust Co., 
United N. J. Railroad & Canal Company, 
22 shares Commonw'th Title Ins & Trust Co., 
10 " Pennsylvania Fire Insurance Co., 
5 " American Fire Insurance Company, 
3 " Reliance Insurance Company, . 
2 " Penns} r lvania Railroad bonds, . 
Philadelphia & Reading Railroad bonds, 
Missouri, Kansas & Texas Railway Co. bonds, 



Par Value. 

$5,000 00 
10,000 00 
6,800 00 
1,200 00 
2,200 00 
6,800 00 
8,800 00 
5,000 00 
5,000 00 



Market Value. 

$6,425 00 

10,400 00 

11,424 00 

1,488 00 

2,112 00 

12,784 00 

9,680 00 

6,525 00 

22,750 00 



$316,129 00 $356,818 52 



Market Value. Loaned Thereon. 



$2,000 00 

959 00 

5,550 00 

1,507 00 

3,150 00 

535 00 

165 00 

104 00 

815 00 ; 

1,660 00 



$1,500 00 
5,000 00 



)> 5,000 00 



1,000 00 



$16,445 00 $12,500 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, 
Rents due and accrued, .... 
Perpetual insurance deposit, . 

Gross assets, 



31, 1895. 

$160,000 00 

9,900 00 

97 50 

356,818 52 

12,500 00 

3,583 30 

22,937 76 

1,270 84 

58,709 63 

1,000 00 

451 87 

742 50 



$628,011 92 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 


$9,357 97 

24,232 43 

2,525 00 


Total amount of losses, 

Less reinsurance, . . • . . 


$36,115 40 
115 66 


Net amount of unpaid losses, . 


$35,999 74 


* Total value of property mortgaged, 


$16,000 00 



342 



UNION INSURANCE CO. 



Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends to stockholders unpaid, . 
Commissions and brokerage, 
Miscellaneous, . . ... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, . , 



$215,478 88 

34,019 36 

1,399 97 

12,417 97 

32 21 



$299,348 13 

$328,663 79 
200,000 00 

$ 128,663 79 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 


$62,000 80 
174 36 


Net collected, ..... 
Premiums on risks written or renewed, . 


$61,826 44 
396,436 08 


Premiums now in course of collection, 


$458,262 52 
59,709 63 


Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 


$398,552 89 
62,530 36 


sources, . 


Income from rents, 

Salvage recovered from old marine losses, 
Deposits received for perpetual fire risks, 


■ ••• 

$1,108 58 







$336,022 53 

495 00 

16,565 97 

5,739 22 

35,994 90 



$394,817 62 



Expenditures. 

Cash paid for fire losses, $148,418 39 

Deduct salvage and reinsurance, . . . 2,357 33 

Net cash paid for fire losses, .... 

Cash paid for marine and inland losses, . . 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for expenses on real estate, 
Deposits returned on perpetual fire risks, . $476 25 



$146,061 06 
• 34 50 

6,244 20 
62,619 46 
30,836 66 

9,130 76 
27,016 63 

3,917 81 



Gross cash expenditures, 



$285,861 08 



UNITED FIREMEN'S INSURANCE CO. 



343 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduet risks expired and terminated, 

In force at end of year, 
Deduet amount reinsured, 



$35,244,207 00 
. 38,090,775 00 



Premiums. 
$396,014 55 
390,436 08 



$73,334,982 00 $792,450 63 
. 34,811,824 00 361,614 32 



$38,523,158 00 $430,836 31 
854,661 00 9,257 86 



Net amount in force, .... $37,668,497 00 $421,578 45 

Perpetual risks in force (not included above), $1,273,028 00 $37,799 29 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (3 per cent), . 
Company's stock owned by directors, .... 



$23,679,778 00 

16,907,406 00 

145,859 00 

1,882,221 00 

6,000 00 

25,080 00 



"UNITED FIREMEN'S INSURANCE COMPANY OF PHILADELPHIA," 

PHILADELPHIA, PA. 

[Incorporated April 2, 1860. Commenced business April 1, 1861.] 

Paid-up Capital, $300,000. 

ROBERT B. BEATEI, President. DENNIS J. SWEENY, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

Northern Central Railroad bonds, . . . $10,000 00 $11,700 00 

Chicago & Western Indiana Railroad bonds, . 10,000 00 11,900 00 

Zanesville & Ohio Railroad bonds, . . . 10,000 00 1,500 00 

Jacksonville, Tampa & Key West R.R. bonds, 10,000 CO 7,000 00 

Toledo Belt Line Railway bonds, . . . 10,000 00 10,000 00 

McKeesport & Belle Vernon R.R. bonds, . 10,000 00 12,500 00 

Atlantic City Railroad bonds 20,000 00 20,600 00 

Lehigh Valley Railway bonds, . . . . 20,000 00 20,400 00 

Philadelphia & Reading Railroad bonds, . 10,000 00 10,400 00 

The Mortgage Trust Company of Penn. bonds, 10,000 00 10,000 00 

The Real Estate Title Ins. and Trust Co. b\ls, 20,000 00 20,000 00 

City of Woonsocket, Dakota, bonds, . . 6,000 00 6,000 00 

199 shares Union Passenger Railway, . . * 9,950 00 40,795 00 

200 shares Continental Passenger Railway, . 20,000 00 25,800 00 



344 



UNITED FIREMEN S INSURANCE CO. 



Penn. & New York Canal and Railroad bonds, 
Car Trusts of New York. .... 
Evansville & Terre Haute Railroad bonds, 
Columbus & Cincinnati Midland RR, bonds, 
People's Passenger Railway certificates, . 
Philadelphia & Baltimore R R. certificates, 
Newark Passenger Railway Company bonds, 
Philadelphia Traction Company trust bonds, 
Second Ave. Traction Co of Pittsburgh bonds 
Pittsburgh, Cincinnati & St. Louis bonds, 
Electric & People's Traction certificates, . 
154 shares Union Traction Co. of Philadelphia, 



Securities held as collateral for cash loans : — 

es 13th & 15th Sts. Passenger R'y, 
Bucks Co. (Pa.) Trust Co., . 
New Hope Delaware Bridge Co., . 
Title Guarantee and Trust Co., N.Y., 
Real Estate, Title Ins. and Trust Co., 
Record Publishing Co , Phila., 
Chestnut Street National Bank, 
Metropolitan Traction Co., N. Y., . 
Baltimore Traction Co., . 
Consolidated Traction Co., N. J., . 
United Gas Improvement Co , Phila., 
Philadelphia Traction Co., Phila., . 
Duquesne Traction Co., . 



Par Value. 

$20,000 00 
16,000 00 
10,000 00 
8,000 00 
15,000 00 
10,000 00 
10,000 00 
10,000 00 
15,000 00 
10,000 00 
15,200 00 
770 00 



Market Value- 

$19,000 00 

15,200 00 

8,000 00 

6,000 00 

13,950 00 

10,000 00 

10,500 00 

10,200 00 

15,450 00 

11,600 00 

11,096 00 

1,694 00 



$315,920 00 $341,285 00 



50 shar 


20 


(4 


12 


It 


10 


46 


50 


It 


100 


(( 


100 


Ci 


200 


l( 


200 


ti 


200 


K 


200 


tl 


200 


it 


100 


(t 



Market Value. 

$11,375 00^ 
2,500 00 j 



1,500 00 j 
1,600 00 j 

6,075 00 

12,000 00 ) 

11,000 00 S 

20,000 00^ 

3,400 00 I 

4,400 00 [ 

16,200 00 

13,000 00 

3,400 00 ) 



$106,450 00 



Loaned Thereon. 

$9,000 00 

5,000 00 
15,000 00 



50,000 00 



$79,000 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest and ground rents due or accrued 

thereon, 

Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for fire risks, .... 
Rents clue and accrued, . . . 
Perpetual insurance deposits, etc., . 

Gross assets, 



$ 138,350 00 
680,953 94 

14,164 53 

311,285 00 

79,000 00 

3,864 94 

64,287 76 

1,073 74 

38,259 12 

570 00 

94 66 

6,726 27 



$1,368,629 96 



* Total value of property mortgaged, . 
Amount of insurance held as collateral, 



$1,412,875 00 
. 486,366 00 



UNITED FIREMEN'S INSURANCE CO. 



345 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, . 
Due and accrued for rent, salaries, etc., . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Reinsurance due, ..... 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Surplus over capital, .... 



$8,161 59 

18,703 12 

7,270 47 

191,596 00 

667,596 11 

577 50 

3,872 78 

6,711 69 

2,992 38 

2,057 37 

641 77 



,180 78 



$458,449 18 
300,000 00 



$158,449 18 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 



,931 84 
2 50 



$56,929 34 
316,695 31 

$103,624 65 
38,259 12 



Entire premiums collected, .... $365,365 53 
Less reinsurance and return premiums, . . 74,899 69 

Net cash fire premiums received, 
Interest received on mortgages and ground rents, . 
Interest and dividends received from all other sources, . 

Income from transfers, 

Deposits received for perpetual fire risks, . $34,229 53 

Gross cash income, 



$290,465 84 

34,681 09 

22,304 48 

228 54 



$347,679 95 



Expenditures. 

Cash paid for fire losses, ..... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, . , • » 



$16,400 74 



$167,943 45 
27,000 00 
57,484 03 
20,223 14 
7,807 62 
23,254 40 



$303,712 64 



346 



UNITED STATES FIRE INSURANCE CO. 



Risks and Premiums. 



$35,414,462 00 
30,714,577 00 



$66,129,039 00 
29,036,064 00 



Premiums. 

1419,584 40 
346,695 31 



,279 71 
345,709 24 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during; 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . . .$32,997,485 00 $368,13117 

Perpetual risks in force (not included above), . $32,381,904 00 $738,162 27 



$37,092,975 00 
4,095,490 00 



$420,570 47 
52,439 30 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (9 per cent.), . 
Company's stock owned by directors, . 



$3,790,894 00 

2,312,569 00 

169,039 00 

383,506 00 

27,000 00 

88,310 00 



"UNITED STATES FIRE INSURANCE COMPANY, 1 ' 
NEW YORK, N. Y. 

[Incorporated April 1, 1824. Commenced business April 9, 1824.] 

Paid-dp Capital, $250,000. 

W. W. UNDERHILL, President. W. H. G-RIFFEN, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $187,000 00 $200,950 r0 

Rensselaer & Saratoga Railroad stock, . . 17,800 00 32,040 00 

New York Central & Hudson River Railroad, 15,000 00 14,700 00 



$219,800 00 $247,690 00 



Summary of Assets Dec 


31, 1895. 


Loans on mortgage of real estate (first liens*) 


, $312,500 00 


Interest due or accrued thereon, 


1,303 51 


Stocks and bonds, as per schedule, . 


247,690 00 


Cash in the office of the company, . 


6,588 69 


Cash deposited in bank, .... 


40,248 51 


Interest due and accrued, .... 


1,932 00 








300,000 00 


Amount of insurance held as collateral, 


359,200 00 



UNITED STATES FIRE INSURANCE CO. 



Premiums in course of collection (gross), 
Reinsurance, .... 

Gross assets,* 

Deduct special deposits in other States, . 



Balance, 



557,240 62 
201 12 



$667,704 45 
13,200 00 

|654,504 45 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, , 

Less reinsurance, .... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Paid-up capital, 



$23,054 88 

30,757 63 

7,550 00 

$61,362 51 
3,264 92 



,097 59 

262,358 11 

1,773 01 

12,341 70 

7,466 56 

2,097 78 

$344,134 75 
6,310 64 



337,824 11 



$316,680 34 
250,000 00 



Surplus over capital, 



,680 34 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, ..... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 



$57,723 93 
988 90 



>,735 03 
412,520 33 

$469,255 36 
55,802 01 

$413,453 35 
97,247 16 



$316,206 19 



* Including $ 125,000 special reserve fund neld under New York law. 



348 



UNITED STATES FIRE INSURANCE CO. 



Marine premiums outstanding Dec. 31, 1894, . $3,361 10 

Same not collected, 94 00 

Net collected, . . . . . . $3,267 10 

Premiums on risks written or renewed, . . 22,604 98 

Total, ' . . . $25,872 08 

Premiums now in course of collection, . . 1,438 61 

Entire premiums collected, . . . . $24,433 47 
Less reinsurance and return premiums, . . 2,905 62 

Net cash marine premiums received, . . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 



121,527 85 

20,542 26 
4,382 25 



Gross cash income, $362,658 55 



Expenditures. 

Cash paid for fire losses, . 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Cash dividends paid, .... 

Cash paid for commissions and brokerage, 

for salaries of ofiicers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$197,939 09 
26,311 40 



$171,627 69 
10,397 60 
15,000 00 
82,583 74 
25,094 21 
6,940 97 
27,628 68 

$339,272 89 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 



In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, . . . . 
Deduct risks expired and terminated, 



Risks and Premiums. 

Premiums. 

$51,839,777 00 $545,592 29 



35,942,439 00 412,520 33 

$87,782,216 00 $958,112 62 
38,084,473 00 442,931 29 



,697,743 00 $515,181 33 
2,672,918 00 25,987 14 



$47,024,825 00 $489,194 19 



$644,750 00 
872,007 00 



$21,075 30 
22,604 98 



$1,516,757 00 
952,832 00 



$43,680 28 
25,369 62 



In force at end of year, , 



$563,925 00 $18,310 66 



UNITED STATES LLOYDS. 



349 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, . 



55,776,016 00 

3,099,243 00 

178,007 00 

11,796 00 

1,831,590 00 

15,000 00 

48,225 00 



UNITED STATES LLOYDS, NEW YORK, N. Y. 

[Commenced business December, 1872.] 
HIGGINS, COX & BARltETT, Attorneys. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $50,000 00 $52,550 00 

New York city bonds, . . . . . 100,000 00 103,000 00 

Boston city bonds, . . . . . . 50,000 00 58,500 00 

St. Louis city bonds 50,000 00 52,000 00 

Cincinnati city bonds, 50, 0( 00 50,500 00 

West Shore R.R. bonds 50,000 00 51,750 00 

Chicago, Rock Island & Pacific R.R bonds, . 50,000 00 51,500 00 

Havana municipal bonds, 5,000 00 4,700 00 

Atlantic Mutual Insurance Co. scrip, . . 78,505 00 78,505 00 



$483,505 00 |503,005 00 



Securities held as collateral for cash loans : — 

Fourth National Bank stock, . 

Home Insurance Co. stock, 

Long Island Loan & Trust Co. stock, 

Texas Pacific R.R. bonds, 

Missouri, Kansas & Texas R R. stock, 



Market Value. 

$17,000 00 
5,425 00 >! 
2,100 00 



Loaned Thereon. 

$15,000 00 



1,375 00 
1,075 00 



\ 7,500 00 



f26,975 00 |22,500 00 



Summary of Assets Dec 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Salvage due, 

Premiums paid on unterminated re- 
insurance, .... $25,821 21 
Rebates paid on unterminated risks, 3,883 09 
Gross assets, 



31, 1895. 

$503,005 00 

22,500 00 

2,000 00 

160,928 19 

10,935 12 

147,649 43 

17,614 53 

52,761 40 



$917,393 67 



350 



UNITED STATES LLOYDS. 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for salaries, etc., . 

Trust deposits, 

Commissions and brokerage, . 
Return premiums, .... 
Gross liabilities, except capital, 



Surplus, 



$93,340 00 

190,695 66 

3,742 00 

16,883 45 

5,300 00 

20,000 00 



$329,961 11 
1587,432 56 



Income. 

Marine premiums outstanding Dec. 31, 1894, . $111,746 65 
Premiums on risks written or renewed, . . 1,301,517 44 

Total $1,413,264 09 

Premiums now in course of collection, . . 165,263 96 

Entire premiums collected, . . . . $1,248,000 13 
Less reinsurance and return premiums, . . 874,884 19 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from commissions, etc , 



Gross cash income, 



$373,115 94 
25,326 30 
81,120 00 



$479,562 24 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 
Cash paid for salaries, fees and taxes, 

Gross cash expenditures, . 



$661,011 51 
369,259 25 



$291,782 26 
50,000 00 
43,439 66 
53,736 55 

,958 47 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . t; . 



. $7,260,048 00 
256,533,168 00 

$263,793,216 00 
249,479,127 00 

$14,314,089 00 
8,229,624 00 



Premiums. 

$b9,788 57 
1,301,517 44 

51,391,306 01 
1,200,610 35 

$190,695 66 
119,985 29 



1,084,465 00 $70,710 37 



Miscellaneous. 
Marine and inland losses incurred during the year, 



$856,531 00 



WESTCHESTER FIRE INSURANCE CO. 



351 



" WESTCHESTER FIRE INSURANCE COMPANY," NEW YORK, X. Y. 

[Incorporated as mutual March 14, 1837. Commenced business as joint-stock Jan. 1, 1870.] 

Paid-up Capital, $300,000. 
GEO. R. CRAWFORD, Resident. JOIIN Q. UNDERHILL, Secretary. 



Detailed Statement of Stocks and Bonds. 



New York & Harlem R.R. stock, 

Albany & Susquehanna R.R. stock, . 

Rensselaer & Saratoga R.R. stock, . 

New York, Lackawanna & Western R R. stock 

Long Island R.R. stock, . . ... 

New York Central & Hudson River R.R. stock 

Rome, Watertown & Ogdensburg R.R. stock, 

Delaware & Hudson Canal stock, 

Western Union Telegraph stock, 

Consolidated Gas stock, . . 

Manhattan Railway stock, 

United States consols, .... 

Richmond City, Va., bonds, 

N. Y., Lake Erie & Western R.R. bonds, . 

Chicago, Burlington & Quincy R.R. bonds, 

St. Joseph & Grand Island R.R. bonds, . 

Atchison, Topeka & Santa Fe R.R. bonds, 

Chesapeake & Ohio R.R bonds, 

New l r ork, Ontario & Western R.R. bonds, 

Western Union Telegraph bonds, 



Par Value. 

$60,000 00 
40,000 00 
50,000 00 
80,000 00 
50,000 00 
50,000 00 
50,000 00 
50,000 00 
20,000 00 
50,000 00 
20,000 00 

100,000 00 
16,000 00 
40,000 00 
20,000 00 
40,000 00 
20,000 00 
20,000 00 
20,000 00 
20,000 00 



Market Value. 

$156,000 00 
68,000 00 
90,000 00 
94,000 00 
42,000 00 
49,000 00 
59,000 00 
62,000 00 
17,000 00 
74,000 00 
20,500 00 
110,000 00 
16,000 00 
27,000 00 
17,500 00 
22,000 00 
14,400 00 
21,200 00 
21,800 00 
21,500 00 



$816,000 00 $1,002,900 00 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $207,000 00 

Loans on mortgage of real estate (first liens*), 474,100 00 

Interest due or accrued thereon, . . . 4,473 23 

Stocks and bonds, as per schedule, . . . 1,002,900 00 

Cash deposited in bank, 112,226 80 

Premiums in course of collection (gross), - . 220,874 09 
Premiums more than three mos. due, $10,870 50 

Gross assets, — 

Deduct special deposits in other States, 



$2,021,574 12 

98,500 00 



Balance, . . . . / f 1,923,074 12 

* Value of lands mortgaged . $476,000 00 

Value of buildings thereon, 582,000 00 

Amount of insurance held as collateral, . . . . 473,750 00 



352 



WESTCHESTER FIRE INSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Taid- up capital, 



Surplus over capital, . 



$25,319 39 

78,372 78 

4,750 00 

$108,442 17 
750 00 

$107,692 17 

1,102,311 48 

48,260 23 

2,166 08 

fl ,260,42.9 96 

44,691 99 



$1,215,737 97 

$707,336 15 
300,000 00 

$407,336 15 



Income. 

Fire premiums outstanding Dec. 31,1894, 
Same not collected, 

Net collected, ...... 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, ...... 



Gross cash income, 



Expenditures 



Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employe 
for State and local taxes, 
for incidentals, 

Gross cash expenditures, . 



$218,802 91 
6,796 22 

$242,006 69 
1,611,569 78 

$1,853,576 47 
231,744 59 

$1,621,831 88 
290,187 89 



sources, 



$1,331,643 99 

23,866 53 

46,390 37 

893 96 

$1,402,794 85 



$836,592 69 
50,825 66 



es, 



- $785,767 03 

30,000 00 

273,272 86 

46,375 14 

30,218 50 

166,739 43 

. $1,332,372 96 



THE WESTERN INSURANCE CO. 



353 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $199,692,178 00 $2,215,503 85 
Fire risks written during 1895, . . 136,874,648 00 1,611,569 78 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



8336,566,826 00 $3,827,133 63 
139,925,698 00 1,594,100 71 



$196,641,128 00 
6,760,350 00 



1,233,032 92 
70,851 40 



Net amount in force, . 



$189,880,778 00 $2,162,181 52 



Miscellaneous. 

Premiums received from organization of company, 

Losses paid from organization of company, . 

Fire losses incurred during the year, . . 

Cash dividends declared from organization of company 

Dividends declared during the year (10 per cent.), 

Company's stock owned by directors, 



$21,126,289 00 

11,781,494 00 

744,260 00 

708,000 00 

30,000 00 

77,740 00 



"THE WESTERN INSURANCE COMPANY OF PITTSBURGH," 

PITTSBURGH, PA. 

[Incorporated March 20, 1849. Commenced business May 1, 1849.] 

Paid-up Capital, $300,000. 

ALEXANDER NIMICK, President. WM. P. HERBERT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, ...... $30,000 00 $32,700 00 

Allegheny County bonds. 20,000 00 20,000 00 

Pittsburgh Junction Railroad bonds, . . 23,000 00 26,880 00 

Pittsburgh & Western Railroad bonds, . . 10,000 00 7,800 00 

100 shares Pittsburgh & Western Railroad, . 5,000 00 1,200 00 

Pitts., Newcastle & Lake Erie bonds, . . 1,500 00 1,545 00 

Pittsburgh & Allegheny Bridge Co. bonds, . 15,000 00 15,300 00 

Wilkinsburg Borough bonds, .... 30,000 00 30,600 00 

Braddock Township school bonds, . . . 6,000 00 6,120 00 

New Brighton school bonds, .... 8,000 00 8,180 00 

German Protestant Evangelical Church bonds, 8,500 00 8,670 00 

Bellevue Borough bonds, 5,500 00 5,590 00 

Avalon Borough bonds, 5,000 00 5,070 00 






$167,500 00 $169,655 00 



354 



THE WESTEKN INSUKANCE CO. 



Summary of Assets Dec. 31, 1895. 

Cash value of unencumbered real estate, . $62,000 00 

Loans on mortgage of real estate (first liens*), 206,925 00 

Interest due or accrued thereon, .... 2,643 00 

Stocks and bonds, as per schedule, . . . 169,655 00 

Cash in the office of the company, . . . 185 87 

Cash deposited in bank, . . . . 32,814 69 

Interest due and accrued, 400 00 

Premiums in course of collection (gross), . 28,846 24 

Gross assets, 



$503,469 80 



Liabilities. 
Losses adjusted, unpaid, . . . 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, . . 
Less reinsurance, . . . 

Net amount of unpaid losses. . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance disallowed, .... 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, . 



f 1,440 00 

14,880 30 

1,900 00 

$18,220 30 
900 00 



$17,320 30 

129,906 41 

5,379 66 

879 81 



153,486 18 

$349,983 62 
300,000 00 

$49,983 62 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$24,550 52 
219,459 59 



$244,010 11 
28,846 24 



|215,163 87 
27,163 36 



sources, 



$188,000 51 

269 51 

12,154 05 

7,977 90 

1,000 00 



$209,401 97 



* Value of lands mortgaged, . 
Value of buildings thereon, . 
Amount of insurance held as collateral, 



$239,800 00 
329,800 00 
174,750 00 



WILLIAMSBURG!! CITY FIRE INSURANCE CO. 



355 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, , . 
for incidentals, .... 

Gross cash expenditures, .... 



$106,117 89 
2,189 69 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, . . . . 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks written during 1895, . 
Deduct risks expired and terminated, 



S18,740,010 00 
17,882,818 00 



$36,622,828 00 
15,715,198 00 



$20,907,630 00 
371,066 00 



$103,928 20 

75 00 

18,000 00 

36,033 05 

7,720 00 

4,787 05 

6,837 96 



$177,381 26 



Premiums. 

$227,745 30 
219,459 59 



$447,204 89 
193,883 40 



$253,321 49 
4,415 08 



$20,536,564 00 $248,906 41 



$33,198 00 
33,198 00 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 
Cash dividends declared from organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, 



$269 51 
269 51 



$4,014,302 00 

2,299,986 00 

105,296 00 

75 00 

917,500 00 

18,000 00 

59,000 00 



" WILLIAMSBURGH CITY FIRE INSURANCE COMPANY," 

BROOKLYN, N. Y. 

[Incorporated March, 1853. Commenced business March, 1853.] 

Paid up Capital, $250,000. 

MARSHALL S. DRIGGS, President. FRED'K H. WAT, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $23,000 00 $25,760 00 

Richmond, Va., bonds, 13,500 00 . 13,500 00 

Georgia State bonds, . . . . • . 25,000 00 28,500 00 



356 



WILLI AMSBURGH CITY FIRE INSURANCE CO. 



Long Island Bank, Brooklyn, stock, 
First National Bank, Brooklyn, stock, 
Brooklyn Union Gas Co. bonds, 
Brooklyn Union Gas Co. stock, , 

Edison Electric Illuminating Co., . 
Consolidated Gas Co., N. Y., stock, . 
Dry Dock, E. B'way & Battery R.R. stock, 
Kings County Trust Co., Brooklyn, stock, 
Brooklyn City Railroad stock, 
Brooklyn Trust Company stock, 
Brooklyn & New York Ferry Company stock 
Union Ferry Company of Brooklyn stock, 
Long Island Traction Co. of Brooklyn, . 



Securities held as collateral for cash loans : — 

Title Guarantee & Trust Co. stock, . 
Brooklyn City R R. Co. stock, .... 



Par Value. 

$10,000 00 

5,000 00 

9,000 00 

25,000 00 

10,000 00 

10,000 00 

20,000 00 

9,000 00 

100,000 00 

3,000 00 

5,000 00 

67,000 00 

225,000 00 



Market Value. 

810,000 00 
20,000 00 
9,450 00 
18,750 00 
10,300 00 
14,800 00 
34,000 00 
23,400 00 

171,000 00 
11,550 00 
10,000 00 
45,560 00 
38,250 00 



$559,500 00 $484,820 00 

Market Value. Loaned Thereon. 

$10,800 00 $5,000 00 

1,710 00 1,200 00 



$12,510 00 



1,200 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 

Reinsurance due, 

Premiums more than three mos. due, $1,809 36 

Gross assets,f 

Deduct special deposits in other States, . 



Balance, 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 



Liabilities. 



31, 1895. 

$629,000 00 

296,050 00 

1,820 04: 

484,820 00 

6,200 00 

1,721 19 

29,071 55 

3,106 62 

77,112 30 

5,687 32 

2,046 95 



$1,536,635 97 
42,000 00 



$1,494,635 97 



,452 04 
30,180 54 
3,910 98 



$50,543 56 
260 62 



,282 94 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$276,000 00 
237,500 00 
232,800 00 



t Including $280,000 special reserve fund held under New York law. 



WILLIAMSBURGII CITY FIRE INSURANCE CO. 



357 



Unearned premiums on outstanding risks, 
Dividends to stockholders unpaid, . 
Due and accrued for rent, salaries, etc , . 
State and local taxes, .... 
Commissions and brokerage, . 

Return premiums, 

Reinsurance disallowed, .... 

Gross liabilities, except capital, . 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Paid-up capital, ...... 



$500,961 30 

1,600 00 

283 33 

4,442 82 

13,520 17 

575 03 

8,610 30 

$586,275 89 
20,817 18 



$565,458 71 



$929,177 26 
250,000 00 



Surplus over capital, 



,177 26 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 



Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash tire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, .... 



Gross cash income, 



,235 01 
5,474 37 



),760 64 
666,766 42 

$727,527 06 
78,921 66 

$648,605 40 
72,323 55 



sources, 



$576,281 85 
14,490 85 
22,260 85 
32,055 20 



$645,088 75 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, . . 
Net cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 

for repairs on real estate, 

Gross cash expenditures , . . ... 



$284,495 50 
25,854 68 



$258,640 82 
49,250 00 
136,606 86 
63,557 74 
6,028 29 
35,393 43 
16,981 22 



$566,458 36 s 



358 



WILLIAMSBURGH CITY FIRE INSURANCE CO. 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $120,944,787 00 $1,012,570 48 
Fire risks written during 1895, . . 75,667,693 00 666,766 42 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . . . . $119,810,228 00 $1,003,168 94 



$196,612,480 00 $1,679,336 90 
72,565,542 00 642,596 64 



$124,046,938 00 $1,036,740 26 
4,236,710 00 33,571 32 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
Fire losses incurred during the year, .... 
Cash dividends declared from organization of company, 
Dividends declared during the year (20 per cent.), . 
Company's stock owned by directors, .... 



$14,889,628 00 

7,769,663 00 

258,923 00 

1,452,500 00 

50,000 00 

46,750 00 



AGGREGATE. 



Capital Stock. 
Capital actually paid up in cash, . 
Scrip outstanding, . 



Gross present assets, 



Assets. 



Liabilities. 
Gross present liabilities, 

Income. 
Cash actually received for fire premiums, . 
for marine and inland premiums, 
for interest and dividends from all sources, 
from all other sources, .... 

Gross cash income, 

Expenditures. 
Cash actually paid during the year for fire losses, 
for marine and inland losses, 
for dividends to stockholders, 
for redemption of scrip, .... 
for interest to scrip-holders, 
for brokerage and commission on premiums, 
for salaries and pay of officers and employees, 
for State and local taxes, .... 
for office, agency and incidental expenses, . 

Gross cash expenditures, .... 



Miscellaneous. 
Whole amount of fire risks written during the year, . 
premiums charged or receivable thereon, 
marine and inland risks written during the year, 
premiums charged or receivable thereon, 
fire risks terminated during the year, 
marine and inland risks terminated, 
fire risks outstanding at end of year, 
marine and inland risks outstanding, 
cash .dividends declared during the year, 
fire losses incurred during the year-, 
marine losses incurred during the year, . 



$41,970,025 
7,399,248 



$175,967,934 



$83,625,162 



$75,109,899 
5,946,440 
6,798,719 
• 746,775 



$88,601,833 



$41,095,902 

4,548,683 

5,033,296 

799,634 

424,435 

14,584,854 

6,416,850 

1,876,375 

5,953,035 



$80,733,064 



$8,611,213,660 

94,585,271 

1,349,401,454 

8,080,672 

8,102,185,830 

1,328,824,664 

11,382,987,550 

181,592,967 

4,915,425 

40,565,562 

4,837,129 



UNITED STATES BRANCHES OF 

FOREIGN FIRE AND MARINE 

INSURANCE COMPANIES 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1895. 



362 



ATLAS ASSURANCE CO. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



UNITED STATES BRANCH OF THE "ATLAS ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
J. M. NEUBURGER, General Manager. 

Office, Chicago, III. 
Detailed Statement of Stocks and bonds. 

Par Value. Market Value. 

United States bonds, $300,000 00 $331,500 00 

Boston city bonds, 180,000 00 198,900 00 

Fitchburg Railroad bonds, . . . . 20,000 00 21,400 00 

Pennsylvania Railroad bonds, . . . . 25,000 00 30,000 00 

N. Y. Central & Hudson River Railroad bonds, 25,000 00 25,500 00 

Boston & Maine Railroad, .... 25,000 00 28,375 00 

New York & Putnam Railroad bonds, . . 25,000 00 26,000 00 

Louisville, Ky., city bonds, .... 50,000 00 51,875 00 

St. Louis, Mo., city bonds, . . . . 15,000 00 16,237 50 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, 
Premiums in course of collection (gross), 
Gross assets, 



$665,000 00 $729,787 50 

31, 1895. 

$729,787 50 

2,726 95 

51,914 98 

7,572 50 

99,725 24 

$891,727 17 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$110,500 00 
54,641 93 



165,141 93 



Balance, $726,585 24 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 



$6,392 22 

35,889 15 

8,140 00 



$50,421 37 
4,375 00 

$46,046 37 



ATLAS ASSURANCE CO. 



3G3 



Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Reinsurance due, ..... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$419,867 18 

7,373 17 

17,981 91 

451 00 

6,763 06 

$498,482 69 

22,G77 00 



,511 01 
165,671 50 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $94,803 13 
Premiums on risks written or renewed, , . 751,433 12 

Total, $846,236 25 

Premiums now in course of collection, . . 99,725 24 

Entire premiums collected, . 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Gross cash income, 

Expenditures. 

Cash paid for fire losses, $328,982 08 

Deduct salvage and reinsurance, . . . 9,871 66 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



. $53,943,460 00 
61,799,778 00 

$115,743,238 00 
49,815,285 00 

$65,927,953 00 
2,302,689 00 



$475,805 69 

$250,779 55 
200,000 00 



,779 55 



$580,839 51 
27,021 06 

$607,860 57 



$319,110 42 

112,922 26 

37,020 91 

11,256 72 

43,244 42 

$523,554 73 



Premiums. 

$738,668 56 
751,433 12 

1,490,101 68 
683,650 32 

,451 36 
28,847 78 



Net amount in force, . 

Miscellaneous. 
Fire losses incurred during the year, , . . 



$63,625,264 00 $777,603 58 



$287,929 00 



364 



BRITISH AMERICA ASSURANCE CO. 



UNITED STATES BRANCH OF THE "BRITISH AMERICA ASSUR- 
ANCE COMPANY," TORONTO, CANADA. 

Deposit Capital, $300,000. 
FREDERICK B. CARPENTER, New England Manager. 

Office, 13 Central Street, Boston. 



Detailed Statement of 

United States bonds, . 
Georgia State bonds, 
City of Richmond, Va., bonds, 
City of Toledo, Ohio, bonds, 
City of Columbus, Ohio, bonds, 
City of London, Canada, bonds, 
City of Toronto, Canada, bonds, 
City of Kingston, Canada, bonds, 
City of Winnipeg, Canada, bonds, . 
New York & West Shore R R. bonds, 
Central Canada L. & S. Co. debentures, 
Dominion of Canada stock, 
Chicago Electric Transit Co. bonds, . 
City of Riverside, Cal., bonds, . 
Freehold Loan & Savings stock, 



Stocks and Bonds. 

Par Value. 

$305,000 00 
25,000 00 
26,300 00 
50,000 00 
50,000 00 
150,000 00 
90,125 00 
20,000 00 
20,000 00 
50,000 00 
25,000 00 
12,000 00 
25,000 00 
25,000 00 
12,000 00 



Market Value. 

$335,550 00 
28,000 00 
26,300 00 
51,365 00 
53,350 00 
155,493 00 
94,347 52 
22,360 00 
22,240 CO 
52,375 00 
25,000 00 
12,540 00 
27,250 00 
27,180 00 
13,200 00 



$885,425 00 $946,550 52 
Summary of Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$946,550 52 

30,493 98 

9,365 00 

177,720 50 

16,089 52 



.,180,219 52 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees,. 
Bills receivable, 



$159,015 00 

158 02 

16,089 52 



175,262 54 



Balance, . $1,004,956 98 



Liabilities. 

Losses adjusted, unpaid, $45,441 16 

claimed and reported, .... 89,735 64 

disputed or resisted, .... 14,117 66 

Unearned premiums on outstanding risks, . 594,587 93 



BRITISH AMERICA ASSURANCE CO. 



3(55 



Commissions and brokerage, . 
Return premiums and reinsurance, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



,497 14 
22,473 40 

$785,852 93 
86,543 84 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 



Total, . . . . . . . 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 



$173,713 48 
3,840 77 

$169,872 71 
1,271,957 75 

$1,441,830 46 
171,573 59 

$1,270,256 87 
285,369 38 



1,241 02 
237,279 75 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, . . . . . 

Expenditures. 
Cash paid for fire losses, . . . . 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, .... 
Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Remitted to home office, . . . . 

Gross cash expenditures, . . , . 



$250,520 77 
6,146 91 

$244,373 86 
56,812 67 



$579,444 43 
33,936 86 



$263,075 QQ 
68,811 36 



,416 40 



$699,309 09 



$305,647 89 
300,000 00 

$5,647 89 



$984,887 49 



187,561 19 
37,745 91 

1,210,194 59 



$545,507 57 



194,264 30 

224,204 13 

24,875 28 

25,325 12 

95,894 86 



. $1,110,071 26 



366 



BEITISH AND FOREIGN MARINE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total, ...... 

Deduct risks expired and terminated, 

In force at end of year, . 



,654,861 00 
87,163,113 00 

$167,817,974 00 
79,702,130 00 



,115,844 00 
1,409,198 00 



Premiums. 

11,103,916 81 
1,271,957 75 



52,375,874 56 
1,244,417 65 



,131,456 91 
18,137 82 



$86,706,646 00 $1,113,319 09 



$2,849,359 00 

22,623,044 00 

$25,472,403 00 

21,914,884 00 



$26,878 06 
237,279 75 



$264,157 81 
221,769 41 



1,557,519 00 $42,388 40 



Miscellaneous. 

Fire losses incurred during the }*ear, 

Marine and inland losses incurred during the year, 



$539,390 00 
198,735 00 



UNITED STATES BRANCH OF THE " BRITISH AND FOREIGN 
MARINE INSURANCE COMPANY (LIMITED)," LIVERPOOL, 

ENGLAND. 

Deposit Capital, $300,000. 

FRANK GrAIR HACOHBER, New England Manager. 



Detailed Statement of Stocks and Bonds. 



Boston & Lowell Railroad bonds, 

Fitchburg Railroad bonds, 

Boston, Clinton, Fitch. & N.Bedford R.R 

Providence & Worcester Railroad bonds, 

Boston & Maine Railroad bonds, 

Old Colony Railroad bonds, 

Eastern Railroad bonds, . 

Brooklyn city bonds, 

New York city bonds, 

United States bonds, . 

City of Portland water bonds, . 

Allegheny Valley Railroad bonds, 

Pennsylvania Railroad bonds, . 

Chicago, Mil. & St. Paul Railroad bonds, 

Richmond city bonds, . , 



b'ds 



Par Value. 

$100,000 00 

80,000 00 

2,000 00 

50,000 00 

1,000 00 

51,000 00 

20,840 00 

42,000 00 

58,000 00 

235,000 00 

9,000 00 

100,000 00 

39,000 00 

75,000 00 

50,000 00 



Market Value. 

$102,583 33 
81,100 00 
2,320 00 
52,375 00 
1,177 50 
54,567 50 
25,424 80 
40,530 00 
58,435 00 

256,500 00 
10,485 00 

129,Q00 00 
41,340 00 
83,625 00 
46,000 00 



$912,840 00 $985,463 13 



BRITISH AND FOREIGN MARINE INSURANCE CO. 



67 



Summary op Assets Dec. 
Loans on mortgage of real estate (first liens), 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Reinsurance, . . . . . 
Gross assets, .... 

Unadmitted. 
Special deposits in other States, 
Cash not in control of trustees, 



Balance, 



Liabilities 



Losses adjusted, unpaid, . 
Losses claimed and reported, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, 
Unearned premiums on outstanding risks 
Unused balances of premium notes, 
State and local taxes, 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, . 



Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 

Income. 

Marine premiums outstanding Dec. 31, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 



Total, . . . 
Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash marine premiums received, 
Interest and dividends received from all 
Remittances from home office, . , 

Gross cash income, 



31, 1895. 

$41,000 00 

985,463 13 

67,143 74 

432,526 18 

4,107 50 

21,425 42 



$187,735 00 
67,143 74 



1,551,665 97 



254,878 74 
$1,296,787 23 



$274,929 34 
4,629 00 

$279,558 34 
66,374 89 

$213,183 45 

556,080 29 

1,133 50 

3,663 47 

33,442 93 

55,366 92 

66,374 89 



$929,245 45 
7,071 23 



$309,190 23 
12,247 08 

$296,943 15 
2,556,806 67 

$2,853,749 82 
446,776 84 

$2,406,972 98 
843,573 84 



sources, 



$414,617 72 



922,174 22 



$374,613 01 
300,000 00 



,613 01 



$1,563,399 14 
47,985 26 

$1,611,384 40 



368 



CALEDONIAN INSUKANCE CO. 



Expenditures. 
Cash paid for marine and inland losses, . . $1,331,321 64 
Deduct salvage and reinsurance, . . . 677,373 35 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 

Remitted to home office, $1,010,309 60 



Gross cash expenditures, .... 

Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, . 

Miscellaneous. 
Marine and inland losses incurred during the year, 



$653,948 29 

190,435 08 

105,137 31 

26,016 76 

$975,537 44 

Premiums. 

$431,486 42 
2,556,806 67 

^2,988,293 09 
2,432,212 80 

$556,080 29 
113,303 96 

$28,185,286 00 $442,776 33 



$31,653,516 00 
687,843,106 00 

$719,496,622 00 
681,712,765 00 

$37,783,857 00 
9,598,571 00 



13,724 00 



UNITED STATES BRANCH OF THE " CALEDONIAN INSURANCE 
COMPANY," EDINBURGH, SCOTLAND. 

Deposit Capital, $200,000. 



CHARLES H. POST, 

N. A. McNEIL, 
JAS. T. HOWES, 



> Managers. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $300,000 00 $331,500 00 

New York City school bonds, .... 200,000 00 200,000 00 

State of Georgia bonds, . . . . . 25,000 00 25,000 00 

City of Richmond, Va., bonds, .... 22,500 00 22,500 00 

Penn. & New York Canal & R.R. bonds,. . 100,000 00 94,000 00 

Lehigh Valley R.R. bonds, .... 50,000 00 62,000 00 

Chicago, Burlington & Quincy R.R. bonds, . 50,000 00 45,375 00 

Allentown Terminal R.R. bonds, . . . 50,000 00 50,000 00 

Richmond & Petersburg R.R. bonds, . . 50,000 00 50,500 00 

New York, Chicago & St. Louis R.R bonds, . 60,000 00 63,000 00 

St. Paul, Minn. & Manitoba R.R. bonds, . . 100,000 00 97,250 00 

Lake Erie & Western R.R. bonds, . . . 42,000 00 49,140 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 58,750 00 

Fremont, Elkhorn & Missouri Val, R.R. bonds, 15,000 00 19,237 50 



CALEDONIAN INSURANCE CO. 



Albany & Susquehanna R.R. bonds, . 
Jersey City bonds, .... 
riiila , Wilmington & Bait. R.R. bonds, 
Central R R. of New Jersey bonds, . 
City of Richmond, Va., bonds, . 
Lehigh Valley Coal Co. bonds, 
Long Island R.R. Co. bonds, 
Baltimore & Ohio R.R. bonds, . 
Chicago, Rock Island & Pacific R.R. bonds, 



Summary of Assets. Dec 

Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Reinsurance clue, 

Premiums more than three mos. due, $2,470 34 
Gross assets, ..... 

Unadmitted. 
Special deposits in other States, 

Cash not in control of trustees, 



Balance, 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 

Unearned premiums on outstanding risks, 

Commissions and brokerage, 

Reinsurance, 

Reinsurance disallowed, . 

All other liabilities, . 

Gross liabilities, except capital, 
Deduct liability on. special deposits, . 

Surplus as regards policy-holders, . 
Deposit capital, . 

Surplus over capital, . 



3E CO. 


309 


Par Value. 


Market Value. 


$15,000 00 


$19,350 00 


34,000 00 


40,060 00 


50,000 00 


52,000 00 


100,000 00 


116,000 00 


2,500 00 


2,500 00 


25,000 00 


26,000 00 


50,000 00 


48,500 00 


100,000 00 


110,500 00 


50,000 00 


51,250 00 


$1,541,000 00 $1,634,412 50 


31, 1895. 




$50,000 00 




1,634,412 50 




180 90 




187,696 74 




17,921 65 




109,825 31 




13,396 89 




\ 


£2,013,433 99 



$210,500 00 
180 90 



210,680 90 
$1,802,753 09 



$118,602 29 
55,424 39 
40,136 16 

$214,162 84 
11,094 20 

$203,068 64 

1,069,388 35 

19,382 44 

4,934 44 

6,478 00 

22,210 67 

11,325,462 54 

84,157 13 



1,241,305 41 

$561,447 68 
200,000 00 



1,447 68 



* Value of lands mortgaged, ...... $100,000 00 



370 COMMERCIAL UNION ASSURANCE CO. (LIMITED). 

Income. 
Fire premiums outstanding Dec. 31, 1894, . f 143,668 26 
Premiums on risks written or renewed, . . 1,807,113 31 



Total, $1,950,781 57 

Premiums now in course of collection, . . 112,295 65 



Entire premiums collected, .... $1,838,485 92 
Less reinsurance and return premiums, . . 530,924 68 

Net cash fire premiums received, . . . $1,307,561 24 

Interest and dividends received from all sources, . . . 74,652 83 



Gross cash income, $1,382,214 07 

Expenditures. 
Cash paid for fire losses, 11,054,402 37 

Deduct salvage and reinsurance, . . . 68,241 12 

Net cash paid for fire losses, .... $986,161 25 

Cash paid for commissions and brokerage, .... 259,164 89 

for salaries of officers and employees, . . . 74,610 88 

for State and local taxes, 47,383 79 

to Niagara Fire Ins. Co. on account contract, . 20,000 00 

for incidentals, 80,305 80 



Gross cash expenditures, . 



$1,467,626 61 



Risks and Premiums. premiums. 

Fire risks outstanding Dec. 31, 1894, . $256,171,259 00«$2,829,766 52 
Fire risks written during 1895, . . 144,655,997 00 1,807,113 31 

Total, 1400,827,256 00 $4,636,879 83 

Deduct risks expired and terminated, . 184,169,605 00 2,257,288 92 



In force at end of year, . . . . $216,657,651 00 $2,379,590 91 
Deduct amount reinsured, . . . 13,531,032 00 186,628 97 



Net amount in force, .... $203,126,619 00 $2,192,961 94 

Miscellaneous. 
Fire losses incurred during the year, $923,902 00 



UNITED STATES BRANCH OF THE "COMMERCIAL UNION 
ASSURANCE COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
CHARLES SEWALL, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $425,000 00 $463,250 00 

Akron & Chicago Junction Railroad bonds, . 30,000 00 30,000 00 

Central Railroad of New Jersey bonds, . . 50,000 00 57,000 00 



COMMERCIAL UNION ASSURANCE CO. (LIMITED). 371 



Chicago, Burlington & Quincy R.R. bonds, 
Chicago, Milwaukee & St. Paul Railroad, 
Chicago & Northwestern Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Clev., Cin., Chicago & St. Louis R.R. bonds, 
Indianapolis & Vincennes Railroad bonds, 
Lehigh Valley of New York bonds, . 
Lehigh Valley Terminal Railroad bonds, 
Louisville & Nashville Railroad bonds, . 
Michigan Central Railroad bonds, . 
Milwaukee, Lake Shore & Western R.R. bonds 
New York Central & Hudson River R.R. bonds 
N. Y., Lackawanna & Western Railroad bonds 
Pittsburg, Fort Wayne & Chicago R.R. bonds 
Western Pennsylvania Railroad bonds, . 
West Shore Railroad bonds, 



Par Value. 

$100,000 00 
150,000 00 
123,000 00 
60,000 00 
50,000 00 
65,000 00 
50,000 00 
50,000 00 
50,000 00 
40,000 00 
25,000 00 
30,000 00 
50,000 00 
15,000 00 
50,000 00 
50,000 00 



Market Value. 

f 100,500 00 
169,750 00 
148,157 50 
76,800 00 
44,000 00 
78,000 00 
51,000 00 
55,750 00 
51,000 00 
41,600 00 
32,500 00 
35,700 00 
65,500 00 
24,150 00 
51,500 00 
52,500 00 



$1,463,000 00 $1,628,657 50 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, . 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Reinsurance, 

Gross assets, . . . 



Un admitted. 



Special deposits in other States, 
Cash not in control of trustees, 
Bills receivable, . . 

Balance, .... 



|870,395 85 

1,628,657 50 

408 82 

535,513 25 

23,212 48 

418,487 30 

18,794 13 

8,010 09 

2,551 74 



$245,250 00 
53,322 23 
18,794 13 



5,506,031 16 



317,366 36 
. $3,188,664 80 



Liabilities. 
Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 



$77,902 19 

187,592 00 

27,200 00 

$292,694 19 

2,401 00 

$290,293 19 

1,956,567 48 

67,256 01 



372 COMMERCIAL UNION ASSURANCE CO. (LIMITED ) . 

Commissions and brokerage, .... $59,192 41 
Return premiums and reinsurance, . . . 3,197 35 

Reinsurance disallowed, 1,624 00 



Gross liabilities, except capital, . . $2,378,130 44 
Deduct liability on special deposits, . . 153,926 50 



>,224,203 94 



Surplus as regards policy-holders, $964,460 86 

Deposit capital, . 200,000 00 



Surplus over capital, $764,460 86 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $454,952 40 
Premiums on risks written or renewed, . . 3,138,509 51 



Total, $3,593,461 91 

Premiums now in course of collection, . , 413,938 17 



Entire premiums collected, .... $3,179,523 74 
Less reinsurance and return premiums, . . 674,957 86 

Net cash fire premiums received, . . . $2,504,565 88 

Marine premiums outstanding Dee. 31, 1894, . $5,421 94 

Premiums on risks written or renewed, . . 208,221 51 



Total, . $213,643 45 

Premiums now in course of collection, . . 4,549 13 



Entire premiums collected, .... $209,094 32 
Less reinsurance and return premiums, . . 5,377 05 

Net cash marine premiums received, . . 203,717 27 

Interest and dividends received from all sources, . . . 76,148 20 

Income from rents, 29,642 15 

Deposits received for perpetual fire risks, . $14,200 90 



Gross cash income, . $2,814,073 50 

Expenditures. 
Cash paid for fire losses, $1,434,410 92 



28,542 68 

$1,405,868 24 



Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for marine and inland losses, . . $248,444 44 

Deduct salvage and reinsurance, . . . 13,207 81 

Net cash paid for marine and inland losses, . 235,236 63 

Cash paid for commissions and brokerage, .... 457,956 41 
for salaries of officers and employees, . . . 142,723 04 
for State and local taxes, . ... 61,038 72 

for rent and Incidentals, ...... 137,001 69 



Gross cash expenditures, $2,439,824 73 



HAMBURG-BREMEN FIRE INSURANCE CO. 



373 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 
Perpetual risks in force (not included 
above), 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total,. . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . . 



$379,250,701 00 
283,033,327 00 

$002,890,031 00 
292,334,107 00 

$370,555,804 00 
7,307,704 00 

$303,248,100 00 

$3,530,879 00 

$1,788,522 00 
27,985,904 00 

$29,774,480 00 
29,030,334 00 

■ $744,152 00 
30,000 00 



Premiums. 

$4,170,589 09 
3,138,509 51 



$7,309,098 00 
3,347,845 05 



$3,901,252 95 
82,375 95 



$3,878,877 00 

$74,728 90 

$18,712 00 
208,221 51 



$220,934 11 
207,303 05 



$19,031 00 
875 00 



$714,152 00 $18,750 00 



Miscellaneous. 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 



$1,377,477 00 
205,237 00 



UNITED STATES BRANCH OF THE "HAMBURG-BREMEN FIRE 
INSURANCE COMPANY," HAMBURG, GERMANY. 

Deposit Capital, $200,000. 
F. O. AFFELD, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $100,000 00 $109,000 00 

Georgia State bonds, - . 25,000 00 28,750 00 

New York City water stock 130,000 00 130,975 00 

New York City school house bonds, . . 100,000 00 100,500 00 

Portland City, Oregon, bonds, .... 50,000 00 57,000 00 

Providence City, R. L, bonds, .... 25,000 00 28,750 00 

Richmond City, Ya., bonds, .... 15,000 00 10,800 00 

St. Louis City, Mo., bonds, .... 25,000 00 25,025 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 25,000 00 17,750 00 

Beech Creek R.R. bonds, .... 20,000 00 20,400 00 

Central R.R. Of New Jersey bonds, . . • . 25,000 00 29,000 00 



374 



HAMBURG-BREMEN FIRE INSURANCE CO. 



Central Ohio R.R. bonds, .... 

Central Pacific R R. bonds, 

Chicago, Burlington & Quincy R.R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Chicago & Northwestern R.R. bonds, 

Chicago, Rock Island & Pacific R R. bonds, 

Cin., Indianapolis, St. Louis & Chic. R.R. b'ds, 

Denver & Rio Grande R.R. bonds, . 

East Tennessee, Virginia & Georgia R.R. b'ds 

Edison Electric Illuminating Co. of N. Y. b'ds 

Illinois Central R R. bonds, 

Kansas Pacific R.R. bonds, 

Lake Erie & Western R.R. bonds, . 

Long Island R.R. bonds, . 

Louisville & Nashville R.R. bonds, . 

New York, Chicago & St. Louis R.R. bonds, 

New York, Lake Erie & Western R.R. bonds, 

Northern Pacific R R. bonds, . 

Oregon Railway & Navigation Company bd's 

Pennsylvania Company bonds, 

Perms) lvannia R R. bonds, 

Pittsburgh, Cin , Chic. & St. Louis R.R. bonds 

St. Paul, Minn. & Manitoba R R. bonds, . 

Scioto Vallej^ & New England R.R. bonds, 

Union Pacific R.R. bonds, 

Wabash R.R. bonds, 



Par Value. 

$25,000 00 
20,000 00 
20,000 00 
25,000 00 
25,000 00 
25,000 00 
15,000 00 
25,000 00 
25,000 00 
20,000 00 
50,000 00 
20,000 00 
25,000 00 
30,000 00 
30,000 00 
30,000 00 
25,000 00 
20,000 00 
10,000 00 
30,000 00 
25,000 00 
25,000 00 
25,000 00 
30,000 00 
20,000 00 
25,000 00 



Market Value. 

§25,250 00 
20,000 00 
23,800 00 
27,875 00 
34,750 00 
32,000 00 
14,250 00 
21,500 00 
26,062 50 
21,200 00 
52,000 00 
21,400 00 
28,500 00 
35,550 00 
29,100 00 
30,600 00 
34,250 00 
23,400 00 
10,400 00 
32,550 00 
27,900 00 
26,250 00 
26,000 00 
24,900 00 
20,825 00 
25,812 50 



$1,185,000 00 $1,260,675 00 



Securities held as collateral for cash loans 
Chicago, Milwaukee & St. Paul R.R. stock, 



Market Value. Loaned Thereon. 

$26,800 00 $20,000 00 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $1,260,675 00 

Loans on collateral security, as per schedule, . 20,000 00 

Cash deposited in bank, 33,710 68 

Interest due and accrued, 1,000 00 

Premiums in course of collection (gross), . 107,338 31 

.Gross assets, 

Unadmitted. 

Special deposits in other States, . . . $102,550 00 

Railroad bonds, not in control of ti'ustees, . 150,525 00 

Cash in bank, net in control of trustees, . . 33,710 68 

Collateral loans, not in control of trustees, . 20,000 00 



,422,723 99 



306,785 68 



Balance, ' . $1,115,938 31 



HAMBURG-BREMEN FIRE INSURANCE CO. 



375 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$2,300 00 

68,000 00 

15,765 00 

797,697 94 

17,870 72 

$901,633 66 
64,975 93 



$836,657 73 

$279,280 58 
200,000 00 

$79,280 58 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



5,561 65 
1,419,244 46 

^1,517,806 11 
107,338 31 



Entire premiums collected, .... $1,410,467 80 
Less reinsurance and return premiums, . . 286,763 94 

Net cash fire premiums received, . . . $1,123,703 86 

Interest and dividends received from all sources, . . . 47,178 66 

Gross cash income, $1,170,882 52 

Expenditures. 

Cash paid for fire losses, . . . . $581,588 16 

Deduct salvage and reinsurance, . . . 18,317 34 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, ...... 



Gross cash expenditures, . 



$563,270 82 

235,353 07 

92,115 97 

25,369 27 

65,190 06 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 
Deduct amount reinsured, 

Net amount in force, .... 

Miscellaneous. 
Fire losses incurred during the year, 



$124,734,734 00 

114,178,711 00 

$238,913,445 00 

109,493,578 00 

$129,419,867 00 

4,461,653 00 



$981,299 19 

Premiums. 

$1,648,163 86 
1,419,244 46 

$3,067,408 32 
1,443,999 73 

$1,623,408 59 
50,749 55 



$124,958,214 00 $1,572,659 04 



$551,731 00 



376 



THE IMPERIAL INSURANCE CO. (LIMITED). 



UNITED STATES BRANCH OF "THE IMPERIAL INSURANCE 
COMPANY (LIMITED)," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
COURTNEY & McCAY, Resident Managers. 

Office, 33 Pine Street, New York, N Y. 



Detailed Statement op 



United States bonds, . 
New York city bonds, 
City of Boston bonds, 
City of Providence bonds, 
West Shore Railroad bonds, 
Lehigh Valley Railroad bonds, 
West Virginia State certificates, 
County of Essex, N J., park bonds, 
Hudson County, N. J., bonds, . 



Stocks and Bonds. 

Par Value. 

$481,000 00 
110,000 00 
100,000 00 

50,000 00 
100,000 00 

40,000 00 

28,666 67 
100,000 00 

50,000 00 



Market Value. 

|526,695 00 

111,200 00 

102,875 00 

51,000 00 

106,000 00 

42,000 00 

1,433 33 

103,000 00 

54,000 00 



,059,666 67 $1,097,703 33 



Summary of Assets Dec. 31, 1895 



Cash value of unencumbered real estate, . 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three mos.due, $9,427 96 
Gross assets, ...... 



$476,634 70 

1,097,703 33 

132,004 33 

5,091 67 

186,013 84 

2,773 50 



$1,900,221 37 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$268,275 00 
132,004 33 



400,279 33 



Balance, $1,499,942 04 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



M>,680 38 
55,165 75 
11,067 14 



,913 27 
6,108 22 



$77,805 05 
875,587 59 



THE IMPERIAL INSURANCE CO. (LIMITED ) 



377 



Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



Income. 



Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 



$20,003 61 
623 48 

$974,019 73 
62,396 73 



$200,297 36 
1,553,747 33 

51,754,044 69 
195,441 80 



Entire premiums collected, .... $1,558,602 89 
Less reinsurance and return premiums, . . 389,100 47 

Net cash fire premiums received, . . . - 

Interest and dividends received from all sources, . 
Income from rents, 



$911,623 00 

$588,319 04 
200,000 00 

$388,319 04 



,169,502 42 
37,267 68 
36,699 66 



Gross cash income, $1,243,469 76 



Expenditures. 

Cash paid for fire losses 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, .... 



$682,081 91 
56,411 66 



$625,670 25 

215,251 23 

102,965 85 

46,741 17 

56,175 79 

$1,046,804 29 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, . 

Total, . . 
Deduct risks expired and terminated 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 



$182,650,878 00 
134,638,866 00 

$317,289,744 00 
143,285,275 00 



$174,001,469 00 
12,351,582 00 



Premiums. 

$1,856,213 34 
1,553,747 33 

$3,409,960 67 
1,554,582 57 

$1,855,378 10 
118,009 32 



$161,652,887 00 $1,737,368 78 



Miscellaneous. 
Fire losses incurred during the year, . , 



$592,656 00 



378 



LANCASHIRE INSURANCE CO. 



UNITED STATES BRANCH OF THE "LANCASHIRE INSURANCE 
COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 
E. LITCHFIELD, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . $600,000 00 $655,000 00 

Albany & Susquehanna Railroad bonds, . . 15,000 00 17,700 00 

Atchison, Topeka & Santa Fe Railroad bonds, 45,000 00 34,200 00 

Baltimore & Ohio Railroad bonds, . . . 75,000 00 84,400 00 

Brooklyn & Montauk Railroad bonds, . . 30,000 00 32,400 00 

Chicago, Burlington & Quincy Railroad, . 35,000 00 34,825 00 

Chicago, Milwaukee & St. Paul Railroad, . 45,000 00 50,400 00 

Chicago & Northwestern bonds, . . . 40,000 00 40,125 00 

Chicago, Rock Island & Pacific Railroad bonds, 20,000 00 26,000 00 

Cleve., Cin , Chic & St. Louis R.R. bonds, . 50,000 00 47,000 00 

Chicago, St. Louis & New Orleans R.R bonds, 50,000 00 52,850 00 

City of Portland, Oregon, water bonds, . . 50,000 00 55,000 00 

Detroit, Monroe & Toledo Railroad bonds, . 19,000 00 23,940 00 

Illinois Central Railroad bonds, . . . 30,000 00 31,100 00 

Michigan Central Railroad, .... 15,000 00 17,850 00 

Milwaukee & St Paul Railroad Company, . 10,000 00 12,300 00 

N. Y. Central & Hudson River R.R bonds, . 10,000 00 12,000 00 

New York, Lack. & Western Railroad bonds, . 15,000 00 20,287 50 

Northern Central Railroad bonds, . . . 14,000 00 16,240 0J 

North Pennsylvania Railroad bonds, . . 10,000 00 12,400 00 

Ottumwa, Cedar Falls & St. Paul R.R. bonds, 20,000 00 21,700 00 

Philadelphia & Erie Railroad bonds, . . 18,000 00 23,940 00 

Pennsylvania Railroad Company, . . . 30,000 00 35,525 00 

Rome, Watertown & Ogdensburg R R. bonds, 25,000 00 29,250 00 

Syracuse, Binghampton & N. Y. R.R. bonds, . 22,000 00 27,940 00 

State of Georgia bonds, 25,000 00 25,250 00 

St. Paul & Northern Pacific Railroad bonds, . 22,000 00 27,280 00 

St. Paul, Minneapolis & Manitoba R R. bonds, 50,000 00 52,000 00 

Western Pennsylvania Railroad bonds, . . 10,000 00 10,200 00 

County of Essex, N. J., park bonds, . . 20,000 00 20,400 00 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Gross assets, ..... 



$1,420,000 00 $1,549,502 50 
31, 1895. 



>,585 72 

1,549,502 50 

1,129 88 

127,201 61 

244,436 33 



5,307,856 04 



LANCASHIRE INSURANCE CO. 



379 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$245,250 00 
50,450 47 



$295,700 47 



Balance, $2,012,155 57 



Liabilities. 

Losses adjusted, unpaid, $70,460 18 

claimed and reported, .... 119,953 00 

disputed or resisted, .... 38,589 95 

Unearned premiums on outstanding risks, . 1,263,811 57 

State and local taxes, ..... 5,000 00 

Commissions and brokerage, .... 40,000 00 

Reinsurance disallowed, 3,083 25 

Gross liabilities, except capital, . . $ 1,540,897 95 

Deduct liability on special deposits, . . . 98,969 60 

Surplus as regards policy-holders, . . . 

Deposit capital, 

Surplus over capital, 



1,441,928 35 

$570,227 22 
200,000 00 

$370,227 22 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $257,941 20 

Premiums on risks written or renewed, . . 2,584,042 13 

Total, $2,841,983 33 

Premiums now in course of collection, . . 244,436 33 



Entire premiums collected, . . . . $2,597,547 00 
Less reinsurance and return premiums, . . 700,895 57 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, . 

Income from rents, . . . . . . . . 



Gross cash income, 



,896,651 43 

65,964 26 

3,443 83 

[,966,059.52 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Gross cash expenditures, , , t 



[,113,679 61 

313,603 94 

171,951 02 

42,957 96 

149,964 34 

[,792,156 87 



380 



LION FIRE INSURANCE CO. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$223,683,276 00 12,598,721 01 
224,395,432 00 2,584,042 13 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$448,078,708 00 $5,182,763 14 
217,651,094 00 2,562,295 59 



$230,427,614 00 $2,620,467 55 
21,484,388 00 191,739 55 



$208,943,226 00 $2,428,728 00 



Miscellaneous. 
Fire losses incurred during the year, 



$ 1,062,339 



UNITED STATES BRANCH OF THE "LION FIRE INSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
M. BENNETT, Business Manager. 

Office, Hartford, Conn. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $50,000 00 

Brooklyn School Improvement bonds, . . 210,000 00 

City of Richmond bonds, 17,000 00 

Georgia State bonds, 25,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 

County of Lucas, Ohio, Court House bonds, . 100,000 00 

Baltimore & Ohio bonds 25,000 00 

Staten Island Railway bonds, .... 16,000 00 



Market Value. 

$54,750 00 
214,200 00 
17,000 00 
25,000 00 
28,531 25 
101,000 00 
25,781 25 
16,400 00 



$468,000 00 $482,662 50 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate (first liens*), $192,950 00 

Interest due or accrued thereon, . . . 4,412 81 

Stocks and bonds, as per schedule, . . . 482,662 50 

Cash in the office of the company, . . . 267 67 

Cash deposited in bank, 123,977 83 

Interest due and accrued, .... 6,227 08 

Premiums in course of collection (gross), . 63,959 51 

Gross assets, 



574,457 40 



Value of lands mortgaged $149,475 00 

Value of buildings thereon, 289,675 00 

Amount o-i insurance held as" collateral 236,800 00 



LION FIRE INSURANCE CO. 



381 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$197,750 00 
4,245 50 



$201,995 50 



Balance, $672,461 90 



Liabilities. 

Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability, on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$17,841 85 

33,689 50 

9,634 20 

371,609 93 
11,792 57 



$444,568 05 
51,976 84 



392,591 21 

$279,870 69 
200,000 00 

$79,870 69 






Income. 

Fire premiums outstanding Dec. 31, 1894, . $64,885 91 
Premiums on risks written or renewed, . . 749,667 44 

Total, $814,553 35 

Premiums now in course of collection, . . 63,959 51 

Entire premiums collected, , $750,593 84 

Less reinsurance and return premiums, . . 211,937 85 

Net cash fire premiums received, . . . $538,655 99 

Interest received on mortgages, 10,149 72 

Interest and dividends received from all other sources, . . 17,863 21 

Gross cash income, $566,668 92 



Expenditures. 

Cash paid for fire losses, . . . 

for commissions and brokerage, 

I for salaries of officers and employees, 

for State and local taxes, 
for incidentals, .... 



Gross cash expenditures, 



$320,965 27 

106,399 95 

35,487 70 

14,438 28 

42,866 29 



$520,157 49 



382 LIVERPOOL AND LONDON AND GLOBE INSURANCE CO. 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Miscellaneous 
Fire losses incurred during the year, 



$68,841,388 00 
. 58,725,954 00 



Premiums. 

$859,750 93 
749,667 44 



$127,567,342 00 
62,235,378 00 



165,331,964 00 
5,123,039 00 



.,609,418 37 
800,902 65 

,515 72 

73,807 68 



$60,208,925 00 $734,708 04 



$298,648 00 



UNITED STATES BRANCH OF THE "LIVERPOOL AND LONDON 
AND GLOBE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $200,000. 
HENRY W. EATON, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . $1,575,000 00 f 1,724,625 00 

New York city bonds, 50,000 00 50,500 00 

Richmond city bonds, 5,000 00 6,650 00 

Boston city bonds, 180,000 00 209,250 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank,f . 
Interest due and accrued, . . . 
Premiums in course of collection (gross) 
Rents due and accrued, 
Loans on life policies, 

Miscellaneous, 

Premiums more than three mos. due, $ 58,518 90 
Gross assets, 



f 1,810,000 00 $1,991,025 00 

31, 1895. 

$1,752,000 00 

3,588,318 64 

47,657 28 

1,991,025 00 

2,697 08 

912,594 10 

' 526 86 

845,782 10 

15,000 00 

14,798 00 

35 00 

$9,170,434 06 



* Value of lands mortgaged, $3,230,400 00 

Value of buildings thereon, . . . ' . . . 3,580,903 00 
t Since December 31 $500,000 has been subscribed for the new government loan, for account 
of home office. 



LIVERPOOL AND LONDON AND GLOBE INSURANCE CO. 383 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$240,900 00 
166,765 48 



$407,665 48 



Balance, $8,762,768 58 



Liabilities. 



Losses adjusted, unpaid, .... 


$3,446 54 


claimed and reported, . 


767,357 00 


disputed or resisted, . 


143,430 00 


Total amount of losses, 


$914,233 54 


Less reinsurance, 


280,651 00 


Net amount of unpaid losses, . 


$633,582 54 


Unearned premiums on outstanding risks, 


4,075,773 63 


Reclaimable on perpetual fire policies, . 


330,616 21 


Liabilities under life department, 


104,109 94 


Commissions and brokerage, . 


93,356 42 




68,877 76 


Reinsurance disallowed, .... 


12,791 70 


Contingent reserve, 


37,208 30 


Gross liabilities, except capital, 


$5,356,316 50 


Deduct liability on special deposits, . 


199,031 56 


Surplus as regards policy-holders, . 













5,157,284 94 

$3,605,483 64 
200,000 00 

$3,405,483 64 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, . . . . . 

Net collected, 

Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, ... 

Less reinsurance and return premiums, , 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 

Gross cash income, , 



$856,628 72 
10,033 57 

$846,595 15 
7,224,648 57 

$8,071,243 72 
904,301 00' 

$7,166,942 72 
1,576,847 02 



sources, . 

$7,266 80 



1,590,095 70 

148,220 97 

71,223 20 

59,735 36 



1,869,275 23 



384 



LONDON ASSURANCE CORPORATION. 



Expenditures. 

Cash paid for fire losses, $ 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 

Deposits returned on perpetual fire risks, 

Gross cash expenditures, .... 



1,529,215 65 
398,322 98 



,277 55 



!,130,892 67 

945,105 30 

317,499 69 

111,788 93 

322,909 02 



. $4,828,195 61 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$890,988,334 00 
715,761,722 00 

$1,606,750,056 00 
704,246,200 00 

$902,503,856 00 
57,239,571 00 



Premiums. 

$8,546,571 40 
7,224,648 57 



$845,264,285 00 



Perpetual risks in force (not included above), $10,21.8,499 00 

Miscellaneous. 
Fire losses incurred during the year, . . 



115,771,219 97 
7,310,652 85 



5,460,567 12 
492,101 08 



$7,968,466 04 
$348,017 06 

$3,058,469 00 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION," LONDON. 

[fire branch.] 

Deposit Capital, $200,000. 
CHAS. L. CASE, Resident Manager. 

Office, New York. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $630,000 00 $705,600 00 

Baltimore Belt R.R. bonds, ' . . . . 16,000 00 15,600 00 

Central R.R. of New Jersey bonds, . . 40,000 00 46,400 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 55,375 00 

Milwaukee & St. Paul R.R. bonds, . . 50,000 00 61,000 00 

Chic, St. Louis & New Orleans R.R. bonds, . 8,000 00 9,600 00 

Colorado Midland Railway Co. bonds, . . 35,000 00 26,250 00 

Denver & Rio Grande bonds, . . . 30,000 00 25,800 00 

Erie Railway bonds, 50,000 00 69,000 00 



LONDON ASSURANCE CORPORATION. 



385 



Lehigh Valley Railway Co. bonds, 
Long Island K 11. bonds, .... 
Louisville & Nashville R.R. bonds, 
Mil., Lake Shore & Western R.R. bonds, 
Philadelphia & Reading R.R. bonds, 
Pittsburgh, Cin., Chie & St. Louis bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Scioto Valley & New England R.R. bonds, 
City of Richmond, Va., bonds, 
Caith., Watcrt'n & Sacketts Harbor R.R. b'ds, 



Par Value. 

$30,000 00 
45,000 00 
25,000 00 
25,000 00 
15,000 00 
25,000 00 
55,000 00 
30,000 00 
50,000 00 
33,000 00 



Market Value. 

$31,200 00 
53,325 00 
29,250 00 
31,250 00 
11,325 00 
27,000 00 
65,900 00 
25,500 00 
50,000 00 
39,270 00 



$1,242,000 00 $1,378,645 00 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens *), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

deposited in bank, . . 

in hands of agents, .... 

Premiums in course of collection (gross), 

Gross assets, 



$15,000 00 

1,378,645 00 

1,611 03 

130,393 63 

265 70 

127,242 84 

$1,653,158 20 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$248,800 00 
5,234 94 



254,034 94 



Balance, $1,399,123 26 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 


... 

inding risks, 
policies, . 


$16,515 00 
40,073 00 
23,833 00 


Total amount of losses, 
Less reinsurance, 


$80,421 00 
500 00 


Net amount of unpaid losses, 
Unearned premiums on outsta 
Reclaimable on perpetual fire 


$79,921 00 

743,466 03 

174 80 


* Total value of property mortgaged, . 
Amount of insurance held aB collateral, 


$30,000 00 
15,000 00 



386 



LONDON ASSURANCE CORPORATION. 



Commissions and brokerage, . 
Reinsurance, . . . 

Gross liabilities, except capital, 
Deduct liability on special deposits,. 

Surplus as regards policy-holders, . 
Deposit capital, ..... 



$21,523 95 

801 87 

1845,887 65 

53,850 38 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 



Gross cash income, 



Expenditures. 
Cash paid for fire losses, $511,030 89 

Deduct salvage and reinsurance, . . . 30,202 37 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 
Deposits returned on perpetual fire risks, . $93,926 26 



Gross cash expenditures, 



$110,500 38 
1,065,107 55 

^1,175,607 93 
127,242 84 



$1,048,365 09 
220,979 34 



sources, 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, . 
Fire risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, . 

Net amount in force, . 
Perpetual risks in force (included above), 



$181,679,673 00 
115,111,511 00 

$296,791, 184 00 
122,094,024 00 

$174,697,160 00 
8,840,775 00 

$165,856,385 00 
$11,200 00 



$792,037 27 

$607,085 99 
200,000 00 



$407,085 99 



,385 75 
675 00 
56,751 26 

$884,812 01 



$480,828 52 

156,548 71 

72,069 23 

23,096 93 

59,975 47 



$792,518 86 

Premiums. 

51,682,241 22 
1,065,107 55 



Miscellaneous. 
Fire losses incurred during the year, 



52,747,348 77 
1,171,329 38 

51,576,019 39 
79,498 06 

51,496,521 33 

$184 00 



$447,676 00 



LONDON ASSURANCE CORPORATION. 



387 



UNITED STATES BRANCH OF THE "LONDON ASSURANCE 
CORPORATION, 11 LONDON. 

[marine branch] 

Deposit Capital, $300,000. 
CLEMENT L. DESPARD, Manager and Attorney. 

Office, New York, N. Y. 



Detailed Statement of Stocks and Bonds. 



New York city water stock, * . 

Boston city bonds, 

Brooklyn city bonds, . . . 
New York city bonds, .... 
Cleveland, Cincinnati, Chicago & St*. Louis Vds 
Chicago & Erie Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 



Par Value. 

$100,000 00 

100,000 00 

100,000 00 

10,000 00 

50,000 00 

50,000 00 

50,000 00 



Market Value. 

$100,500 00 
100,000 00 
95,000 00 
10,100 00 
47,250 00 
53,000 00 
52,750 00 



$460,000 00 $458,600 00 



Summary of Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Reinsurance, 

Gross assets, 



$158,600 00 

238 57 

117,317 13 

5,889 59 

91,420 98 

28,846 23 

18,178 10 



$720,490 60 



Unadmitted. 



Cash not in control of trustees, 
Bills receivable, 



Balance, 



$238 57 
28,846 23 



29,084 80 



1,405 80 



Liabilities, 



Losses adjusted, unpaid, 
Less reinsurance, 



Net amount of unpaid losses, . . . 
Unearned premiums on outstanding* risks, 
Commissions and brokerage, . 



$206,036 00 
55,187 00 

$150,849 00 

63,489 05 

6,279 66 



388 



LONDON ASSUKANCE COKPORATION. 



Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 



$9,646 25 
83,868 80 



$314,132 76 



Surplus as regards policy-holders, $377,273 04 

Deposit capital, 300,000 00 



Surplus over capital, $77,273 04 



Income. 



Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, . $ 564,452 28 

Premiums now in course of collection, . . 91,420 98 

Entire premiums collected, .... $473,031 30 
Less reinsurance and return premiums, . . 88,999 85 

Net cash marine premiums received, 
Interest and dividends received from all sources, 



),495 73 
513,956 55 



$384,031 45 
17,999 25 



Gross cash income, $402,030 70 



Expenditures. 

Cash paid for marine and inland losses; . . $314,718 85 
Deduct salvage and reinsurance, . . . 29,589 67 

Net cash paid for marine and inland losses, . ■ $285,129 18 

Cash jDaid for commissions and brokerage, .... 40,270 36 
for salaries of officers and employees, . . . 14,138 86 

for State and local taxes, 8,049 37 

for rent and incidentals, . . . . . . 12,883 36 

Remitted to home office, . . ' . ; . ' . $3,939 32 

Gross cash expenditures, f 360,471 13 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . , 

Net amount in force, . 



$2,892,001 00 
86,658,838 00 



,550,839 00 
85,320,741, 00 



$4,230,098 00 
1,365,115 00 



Premiums. 

$58,340 75 
513,956 55 



$572,297 30 
480,126 45 



,170 85 
28,681 80 



,864,983 00 $63,489 05 



Miscellaneous. 
Marine and inland losses incurred during the year, 



$362,402 00 



LONDON AND LANCASHIRE FIRE INSURANCE CO. 



389 



UNITED STATES BRANCH OF THE " LONDON AND LANCASHIRE 
FIRE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $200,000. 
ARCHIBALD G-. McILVAINE, Jr., Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York city bonds, $120,000 00 $120,600 00 

U. S. Registered bonds, 322,500 00 358,025 00 

City of Richmond bonds, 50,000 00 51,000 00 

Baltimore & Ohio Railroad bonds, . . . 100,000 00 110,000 00 

Chicago & Northwestern R.R. bonds, . . 100,000 00 119,000 00 

Chicago, Rock Island & Pacific Railroad bonds, 90,000 00 117,900 00 

Central Railroad of New Jersey bonds, . . 105,000 00 121,012 00 

Cin., Ind., St. Louis & Chicago R.R bonds, . 100,000 00 100,000 00 

Delaware & Hudson Railroad Company bonds, 25,000 00 36,250 00 

Lake Shore & Michigan Southern R.R. bonds, 92,000 00 105,800 00 

N. Y. Central & Hudson River Railroad bonds, 75,000 00 91,500 00 

New York & Harlem River Railroad bonds, . 50,000 00 57,500 00 

West Shore Railroad Company bonds, . . 80,000 00 85,200 00 

Lake Erie & Western Railroad bonds, . . 50,000 00 58,000 00 

Lehigh Valley Railroad bonds, . . . 25,000 00 25,750 00 

Milwaukee, Lake Shore & Western bonds, . 50,000 00 55,750 00 

Baltimore Belt Railroad bonds, . . . 25,000 00 25,500 00 

Chesapeake & Ohio R.R. bonds, . . . 50,000 00 53,000 00 

Cincinnati, Dayton & Ironton bonds, . . 20,000 00 21,800 00 

Beech Creek R.R. bonds, . . . . . 27,000 00 28,350 00 

Flint and Pere Marquette bonds, . . .. 25,000 00 23,125 00 

New York, Chicago and St. Louis R.R. bonds, 50,000 00 51,250 00 

New York, Ontario & Western bonds, . . 20,000 00 21,800 00 

St. Paul, Minneapolis and Manitoba bonds, . 50,000 00 53,000 00 

Chicago, Milwaukee & St. Paul R.R bonds, . 20,000 00 22,500 00 

Central Ohio R.R. bonds, . • . . . . 50,000 00 54,250 00 

State of Georgia bonds, . ■ . . . . 25,000 00 29,541 00 

Milwaukee Underwriters' Building Asso. stock, 83 00 83 00 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, , 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, . 
Rents clue and accrued, . . 
Reinsurance due, ..... 
Gross assets, . « . . , 



$1,796,583 00 $1,997,489 00 

31, 1895. 

$299,125 00 

1,997,489 00 

37,846 59 

51,555 65 

289,839 03 

12,195 60 

3,509 91 

9 74 

$ 2,69 1,570 52 



390 



LONDON AND LANCASHIRE FIRE INSURANCE CO. 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$247,044 00 
89,402 24 



$336,446 24 



Balance, $2,355,124 28 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, , . 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding 
Commissions and brokerage, . 
Return premiums and reinsurance, 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital, .... 

Surplus over capital, . 



risks, 



$24,272 60 

103,367 72 

36,352 40 



$163,992 72 
29,090 63 



$134,902 09 

1,504,255 56 

53,628 99 

18,759 83 

50,430 48 

^1,761,976 95 
113,957 68 



1,648,019 27 

$707,105 01 
200,000 00 

$507,105 01 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total,. 

Premiums now in course of collection, . 



$335,706 31 
493 84 

$335,212 47 
2,552,790 03 



>,888,002 50 
319,625 30 



Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash tire premiums received, 

Interest and dividends received from all sources, 

Income from rents, . . * . 



$2,568,377 20 
709,370 56 



$1,859,006 64 
81,372 73 
11,107 53 



Gross cash income, 



$1,951,486 90 



MANCHESTER FIRE ASSURANCE CO. 



391 



Expenditures. 

Cash paid for fire losses, $1,119,69161 

Deduct salvage and reinsurance, . . . 134,021 53 

Net cash paid for fire losses, .... $985,670 08 

Cash paid for commissions and brokerage, .... 354,645 30 

for salaries of officers and employees, . . . 144,232 37 

for State and local taxes 40,120 64 

for rents and incidentals, 121,554 02 



Gross cash expenditures, $1,646,222 41 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . . 



Premiums. 

,835,341 00 $3,327,756 31 
283,613,817 00 2,552,790 03 



$650,449,158 00 $5,880,546 34 
269,191,660 00 2,770.866 96 



$381,257,498 00 $3,109,679 38 
16,625,009 00 184,564 84 



$364,632,489 00 $2,925,114 54 



Miscellaneous. 
Fire losses incurred during the year, 



. $924,587 00 



UNITED STATES BRANCH OF THE "MANCHESTER FIRE AS- 
SURANCE COMPANY," MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 
W. W. DUDLEY, Manager. 

Office, Chicago, 111. 






Detailed Statement of Stocks 



New York City bonds, 

United States bonds, .... 

District of Columbia bonds, 

Wheeling & Lake Erie Railroad bonds, 

Lehigh Valley Railroad bonds, 

St. Paul, Minn. & Manitoba Railroad bonds, 

Chesapeake & Ohio Railroad bonds, 

Chic, Milwaukee & St. Paul Railroad bonds, 

Chicago & Eastern Illinois Railroad bonds, 

Knoxville & Ohio Railroad bonds, . 



and Bonds. 

Par Value. 

$200,000 00 
427,000 00 
20,000 00 
30,000 00 
25,000 00 
25,000 00 
25,000 00 
51,000 00 
27,000 00 
15,000 00 



Market Value. 

$202,000 00 
469,700 00 
22,000 00 
30,600 00 
26,500 00 
26,500 00 
26,500 00 
57,630 00 
33,885 00 
17,625 00 



392 



MANCHESTER FIRE ASSURANCE CO. 



Par Value. • Market Value. 

Central Railroad of New Jersey bonds, . . $55,000 00 $64,350 00 

West Shore Railroad bonds, .... 25,000 00 26,625 00 

Baltimore & Ohio Railroad bonds, . . . 79,000 00 88,450 00 

Pennsylvania Railroad bonds, . . . 75,000 00 81,600 00 

Chicago & Western Indianna Railroad bonds, 80,000 00 93,600 00 

Atlanta & Charlotte Air Line Railroad bonds, 14,000 00 16,800 00 

Atchison, Topeka & Santa Fe Railroad bonds, 16,500 00 11,880 00 

Lake Erie & Western Railroad bonds, . . 13,000 00 14,950 00 

Chic, St. Louis & New Orleans Railroad b'ds, 25,000 00 29,625 00 

Northern Pacific Railroad bonds, . . . 15,000 00 17,550 00 

Bur., Cedar Rapids & Northern Railroad b'ds, 25,000 00 25,750 00 

Illinois Central Railroad bonds, . . . 16,000 00 17,200 00 

Beech Creek Railroad bonds, . . . . 75,000 00 78,750 00 

City of Brooklyn bonds, 200,000 00 200,000 00 

City of Newark water bonds, . . . . 50,000 00 53,000 00 

$1,608,500 00 $1,733,070 00 



Summary of Assets Dec. 31, 1895 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 

deposited in bank and with trustees 

deposited in Oregon, 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Reinsurance, ... 

Gross assets, .... 



L,733,070 00 

21,197 84 

71,243 16 

50,000 00 

6,697 50 

297,072 00 

1,349 00 



>,180,629 50 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$187,500 00 
67,411 00 



254,941 00 



Balance $1,925,688 50 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 



$93,374 32 
78,182 82 
51,225 33 

$222,782 47 
18,049 27 

$204,733 20 
1,199,676 98 



MANCHESTER FIRE ASSURANCE CO. 



393 



Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, . 
Deduct liability on special deposits, . 

Surplus as regards policy-holders, . 
Deposit capital, 



$56,118 6t 
3,294 96 

,463,823 75 
76,236 43 



,387,587 32 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Remittance from home office, . 



$538,101 18 
200,000 00 

$338,101 18 



Gross cash income, 



$270,040 86 
2,067,584 41 

52,337,625 27 
297,072 00 



$2,040,553 27 
516,401 72 



$1,524,151 55 
60,417 50 



$53,617 50 



$1,584,569 05 



Expenditures. 
Cash paid for fire losses, . . . . . $1,059,196 84 
Deduct salvage and reinsurance, . . . 39,456 89 

Net cash paid for fire losses, .... $1,019,73995 

Cash paid for commissions and brokerage, .... 298,748 65 
for salaries of officers and employees, . . . 91,287 51 

for State and local taxes, 39,764 55 

for incidentals, 113,006 52 

Remitted to home oflace, . . . . . $26,825 00 

Gross cash expenditures, $1,562,547 18 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$188,102,243 00 
157,692,907 00 

$345,795,150 00 
151,623,915 00 

$194,171,235 00 
8,036,928 00 



Premiums. 

$2,460,144 14 
2,067,584 41 

$4,527,728 55 
2,052,631 62 



>,475,096 93 
115,275 10 



$186,134,307 00 $2,359,821 83 



Miscellaneous. 
Fire losses incurred during the year, . 



$959,671 00 



394 



MANNHEIM INSUEANCE CO. 



UNITED STATES BRANCH OF THE "MANNHEIM INSURANCE 
COMPANY," MANNHEIM, GERMANY. 

Deposit Capital, $300,000. 
JAS. JOHNSTONE RILEY, Resident Manager. 

Office, New York City. 
Detailed Statement of Stocks and Bonds. 



United States bonds, . 
New York City stock, 



Par Value. Market Value. 

. $100,000 00 $ 110,000 00 
250,000 00 250,000 00 



$350,000 00 $360,000 00 



Summary of Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company,- . 
Cash deposited in bank, 
Premiums in course of collection (gross) 
Notes takeu for marine and inland risks 
Gross assets, .... 



$360,000 00 

400 10 

9,286 69 

32,058 59 

5,087 16 



$406,832 54 



Unadmitted. 



Cash not in control of trustees, 



9,686 79 



Balance, $397,145 75 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Gross liabilities, except capital, . 

Surplus as regards policy-holders, . 
Deposit capital, 



}10,t06 00 

6,000 00 

40,327 08 

266 66 

700 32 

1,173 62 



88,573 68 



$308,572 07 
300,000 00 



Surplus over capital, . 



5,572 07 



MARINE INSURANCE CO. ( LIMITED). 



395 



Income. 

Marine premiums outstanding Dec. 81, 1894, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 
Less reinsurance and return premiums, 
Net cash marine premiums received, 
Received from home office, . $3,556 16 

Gross cash income, .... 



Expenditures. 

Cash paid for marine and inland losses, . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, . , 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, 



$27,319 21 

486 77 



>,832 44 
207,123 62 

$233,956 06 
37,145 75 

$196,810 31 
12,201 56 



113,581 04 
36,327 71 



Gross cash expenditures, 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, . 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 

Miscellaneous. 
Marine losses incurred during the year, . 



$1,351,054 00 
41,845,662 00 

$43,196,716 00 
40,965,560 00 



$184,608 75 



$184,608 75 



$177,253 33 

14,176 41 

11,186 95 

4,670 20 

5,599 52 

$212,886 41 

Premiums. 

$38,035 31 
207,123 62 

$245,158 93 
176,156 44 



$2,231,156 00 $69,002 49 



$186,057 00 



UNITED STATES BRANCH OF THE "MARINE INSURANCE COM- 
PANY" (LIMITED), LONDON, ENGLAND. 

Deposit Capital, $300,000. 
PERCY CHUBB, Resident Manager. 

Office, New York City. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds $100,000 00 $110,000 00 

New York city bonds, 300,000 00 300,000 00 

Pennsylvania Railroad bonds, .... 50,000 00 60,000 00 

N. Y. Central & Hudson River R.R. bonds, . 25,000 00 25,000 00 



$475,000 00 $495,000 00 



396 



MARINE INSURANCE CO. (LIMITED) . 



Summary of Assets Dec 

Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Reinsurance, 

Gross assets, . . . . . . 

Unadmitted. 
Special deposits in other States, . . . $110,000 00 
Cash not in control of trustees, . . . 22,335 33 

Premiums in course of collection in excess of 

unearned premiums, . . . . . 37,199 07 



31, 1895. 

$195,000 00 

5,651 92 

16,683 41 

66,832 44 

20,428 32 

2,899 26 



$607,495 35 



169,534 40 



Balance, $437,960 95 



Liabilities. 



Losses claimed and reported, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
State and local taxes, .... 

Commissions and brokerage, . . 
Reinsurance, ...... 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



$40,375 00 
11,000 00 

$29,375 00 

43,197 31 

4,000 00 

4,547 70 

30,832 54 

11,654 00 



$123,606 55 
18,422 31 



105,184 24 

$332,776 71 
300,000 00 



$32,776 71 



Income. 

Marine premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 



Total, . . . . . . . . $415,166 48 

Premiums now in course of collection, . . 87,260 76 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



$62,889 96 
352,276 52 



$327,905 72 
106,757 67 



$221,148 05 
10,218 99 



Gross cash income, . . . . . . . . $231,367 04 



NATIONAL ASSURANCE CO. 



397 



Expenditures. 

Cash paid for marine and inland losses, . . $150,254 92 
Deduct salvage and reinsurance, . . . 39,016 15 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, .... 

for salaries of officers and employees, . 

for State and local taxes, 



$111,208 77 

20,662 75 

6,960 69 

3,602 46 



Gross cash expenditures, $142,434 67 



Risks and Premiums. 



Marine risks outstanding Dee. 31, 1894, 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . , 
Deduct amount reinsured, 

Net amount in force, . 



$17,941,236 00 

280,618,843 00 

$298,560,079 00 

271,946,210 00 

$26,613,869 00 

3,716,677 00 



Premiums. 

$82,142 94 
352,276 52 



M31,419 46 
384,357 77 



$50,061 69 
6,864 38 



$22,897,192 00 $43,197 31 



Miscellaneous. 
Marine and inland losses incurred during the year, 



. $105,624 00 



UNITED STATES BRANCH OF THE "NATIONAL ASSURANCE 

COMPANY," IRELAND. 

Deposit Capital, $200,000. 
GILBERT PALACHE, Manager. 

Office, San Francisco, Gal. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$120,000 00 
20,000 00 



Boston city bonds, . . . 
Boston & Maine Railroad bonds, 
150 shares Fitchburg Railroad stock 
Lynn city bonds, 
Old Colony Railroad bonds, 
Reading (Pa.) city bonds, . . 



15,000 00 

15,000 00 

20,000 00 

10,000 00 



Market Value. 

|124,200 00 

20,400 00 

13,650 00 

15,450 00 

20,200 00 

10,300 00 



$200,000 00 $204,200 00 



Summary of Assets Dec. 31, 1895. 
Stocks and bonds, as per schedule, . . . $ 204,200 00 
Cash deposited in bank, . 3,885 53 
Gross assets, . , , , . . — — — 



208,085 53 



398 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



Liabilities. 
Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



$50 00 
1,800 00 
2,354 32 



r ,204 32 



Surplus over capital, 



Income. 



Cash fire premiums received, . 

Gross cash income, 

Expenditures. 



Cash paid for fire losses, . 

Gross cash expenditures, , 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, . . . 
Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



Miscellaneous. 
Fire losses incurred during the year, 



$1,295,502 00 
89,268 00 

$1,384,770 00 
705,761 00 

$679,009 00 
12,000 00 



$203,881 21 
200,000 00 

$3,881 21 



$442 80 



$442 80 



',121 73 



r ,121 73 



Premiums. 

$23,747 84 
442 80 

$24,190 64 
11,431 26 

$12,759 38 
439 95 



$667,009 00 $12,319 43 



1,311 00 



UNITED STATES BRANCH OF THE "NORTH BRITISH AND 
MERCANTILE INSURANCE COMPANY," LONDON AND EDIN- 
BURGH. 

Deposit Capital, $200,000. 

HENRY E. BOWERS, Manager. 

Office, New York, N. Y. 
Detailed Statement op Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, ....... $115,000 00 $411,905 00 

N. Y. Central & H R. R.R. bonds, . . . 500,000 00 585,000 00 

West Shore R R. bonds, 400,000 00 414,000 00 

N. Y., Lackawanna & VV~. R.R. bonds, . . 100,000 00 135,000 00 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



31)9 



Manhattan Railway Co. bonds,. 
Delaware & Hudson Canal Co. bonds, 
St. Paul & Northern Pacific R.R. bonds, 
Chicago & North Western R R. bonds, 
Baltimore & Ohio R.R. bonds, . 
City of Boston bonds, 
City of Providence, R. I., bonds, 
City of St. Louis, Mo., coupons, 
New York County stock, . 
New York City stock, 
New York County bond, . • . 
City of Brooklyn, N. Y., bonds, 
Alabama Class " A " coupon bonds, 
Virginia century bonds, . 
Virginia deferred certificates, . 
Milwaukee Underwriters 1 Bldg. Ass 



c'n stock, 



Par Value. 

$60,000 00 

61,000 00 

50,000 00 

156,000 00 

200,000 00 

115,000 00 

187,000 00 

54,952 65 

22,000 00 

15,000 00 

9,000 00 

30,000 00 

10,000 00 

41,100 00 

18,666 67 

181 00 



Market Value. 

$58,800 00 
85,400 00 

61,000 00 

218,400 00 

202,420 00 

126,237 00 

205,700 00 

57,399 00 

27,060 00 

17,500 00 

9,180 00 

30,750 00 

11,200 00 

25,071 00 

2,426 00 

181 00 



$2,444,900 32 $2,714,629 00 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Notes taken for lire risks, 
Reinsurance, etc., ..... 
Premiums more than three mos. due, $24,265 63 
Gross assets, . 

Unadmitted, 
Special deposits, 

Cash not in control of trustees, 

Baltimore & Ohio R.R. bonds, . 

Chicago & Northwestern R.R. bonds, 

Bills receivable, ..... 

Milwaukee Underwriters' stock, 



Balance, 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, ' . 

Net amount of unpaid losses, 



Liabilities. 



$450,000 00 

2,714,629 00 

10,961 08 

190,250 07 

54,057 00 

421,275 10 

3,645 22 

1,393 65 



$238,902 00 

196,202 69 

42,840 00 

36,400 00 

3,645 22 

181 00 



5,846,211 12 



518,170 91 
$3,328,040 21 



55,073 21 
155,895 30 
39,369 82 



$260,338 33 
9,321 11 

$251,017 22 



* Total value of property mortgaged, 



. $840,000 00 



400 



NORTH BRITISH AND MERCANTILE INSURANCE CO. 



Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Balances due special agents, etc., ■ . 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, . . . . 



. $1,918,497 77 

91,541 71 

9,099 57 

1,503 11 

. 12,271,659 38 
169,446 85 



M02,212 53 

1,225,827 68 
200,000 00 



Surplus over capital, . $1,025,827 QS 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $361,047 06 
Premiums on risks written or renewed, . . 2,960,087 86 

Total $3,321,134 92 

Premiums now in course of collection, . . 445,540 73 



Entire premiums collected, . . . . f 
Less reinsurance and return premiums, . 
Net cash tire premiums received, . . . - 
Interest and dividends received from all sources, 
Income from rents, 



1,875,594 19 
609,743 33 



|2,265,850 86 

134,557 51 

5,993 64 



Gross cash income, . . . . . . . $2,406,402 01 



Expenditures. 
Cash paid for fire losses $1,426,038 81 

Deduct salvage and reinsurance, . . . 61,874 34 

Net cash paid for fire losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, .... 

Risks and Premiums. 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$343,466,749 00 
285,703,417,00 

$629,170,166 00 
260,171,881 00 



$368,998,285 00 
18,811,415 00 



1,364,164 47 

373,544 20 

207,657 25 

56,836 88 

111,508 82 

!,113,7U 62 



Premiums. 

^3,864,670 99 
2,960,087 86 

56,824,758 85 
2,936,803 65 

53,887,955 20 
155,596 60 



$350,186,870 00 $3,732,358 60 



Miscellaneous. 
Fire losses incurred during the year, , 



$1,328,755 00 



NORTIIEIIN ASSURANCE CO. 



401 



UNITED STATES BRANCH OF THE "NORTHERN ASSURANCE 
COMPANY," LONDON, ENGLAND. 

Deposit Capital, $200,000. 

GEO. W. BABB, Jr., Manager. 



Detailed Statement of Stocks and Bonds. 



United States bonds, . 

Salem, Oregon, city bonds, 

New York city bonds, 

Boston city bonds, 

St. Louis city bonds, . 

St. Paul city bonds, . 

Minneapolis city bonds, . 

Massachusetts State bonds, 

Pennsylvania Railroad bonds, 

West Shore Railroad bonds, 

Chicago city bonds, . 

Omaha city bonds, . . . 

Chicago, St. Louis & New Orleans R.R., 

Chicago, Rock Island & Pacific R.R., 

Chicago, Milwaukee & St. Paul R'y, 



Par Value. 

$385,000 00 
40,000 00 

200,000 00 

139,500 00 
40,000 00 
50,000 00 

100,000 00 
25,000 00 

100,000 00 
50,000 00 
50,000 00 

100,000 00 
50,000 00 

100,000 00 
50,000 00 



Market Value. 

$121,575 00 
40,460 00 

201,500 00 

149,613 75 
43,666 66 
57,375 00 

108,666 66 
27,375 00 

106,000 00 
53,000 Oo 
53,000 00 

108,250 00 
49,000 00 

103,000 00 
62,500 00 



$1,479,500 00 $1,584,982 07 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Reinsurance, . 

Bills receivable, 

Miscellaneous, . 

Premiums more than three mos. due, $2,411 44 
Gross assets, 



$115,000 00 

1,584,982 07 

2,390 79 

85,534 88 

3,850 00 

216,243 84 

2,068 81 

1,288 88 

759 44 



$2,012,118 71 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 
Bills receivable, etc.,. 



$243,035 00 

87,925 67 

2,048 32 



333,008 99 



Balance, $1,679,109 72 



402 



NORTHERN ASSURANCE CO. 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Suspense account, ..... 
Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, ...... 



817,773 76 
80,370 61 
27,191 95 



$125,336 32 
4,191 50 



$121,144 82 

1,040,309 65 

2,041 46 

29,933 92 

36,419 76 

2,024 59 

2,667 75 

11,234,541 95 

121,044 97 



Surplus over capital, .... 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $209,497 15 

Same not collected, ...... 1,725 66 

Net collected, . . . . . . 1207,77159 

Premiums on risks written or renewed, . . 1,669,320 64 

Total, $1,877,092 23 

Premiums now in course of collection, . . 218,655 28 

Entire premiums collected, .... SI, 658,436 95 

Less reinsurance and return premiums. . . 417,112 57 

Net cash fire premiums received, . . . 

Interest and dividends received from all sources, 

Received from home office, .... $47,362 52 



Gross cash income, 



Expenditures. 
Cash paid for fire losses, $839,147 15 

Deduct salvage and reinsurance, . . . 102,027 69 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 
Remitted to home office, $181,792 61 

Gross cash expenditures, . 



1,113,496 98 

$565,612 74 
200,000 00 

$365,612 74 



,241,324 38 
52,702 34 

$1,294,026 72 



$737,119 46 

192,962 36 

82,811 56 

36,493 95 

126,380 96 

$1,175,768 29 



NORWICH UNION FIRE INSURANCE SOCIETY. 



403 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$166,298,7.52 00 $2,051,899 66 
140,709,030 00 1,669,320 64 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$307,007,782 00 $3,721,220 30 
131,267,206 00 1,629,565 40 



$175,740,576 00 $2,091,654 90 
4,753,393 00 46,167 89 



$170,987,183 00 $2,045,487 01 



Miscellaneous. 
Fire losses incurred during the year, 



$711,885 00 



UNITED STATES BRANCH OF THE "NORWICH UNION FIRE 
INSURANCE SOCIETY," NORWICH, ENGLAND. 

Deposit Capital, $200,000. 
J. MONTGOMERY HARE, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $375,000 00 $416,250 00 

New York City water loan, . . ... 100,000 00 102,750 00 

New York Central & Hudson Riv. R.R. bonds, 75,000 00 91,125 00 

West Shore Railroad bonds, .... 57,000 00 59,137 50 

Pennsylvania Company bonds, .... 150,000 00 170,250 00 

Pennsylvania Equipment Trust certificates, . 52,000 00 52,346 67 

Chicago, Burlington & Quincy R R. bonds, . 100,000 00 89,000 00 

Chicago, Rock Island & Pacific R'y bonds, . 100,000 00 104,000 00 

Lake Shore & Michigan Southern R'y bonds, . 118,000 00 140,420 00 

Richmond City, Va., bonds, .... 50,000 00 55,500 00 

Lehigh and Wilkesbarre Coal Co. bonds, . 8,000 00 8,600 00 

N. Y., Chicago & St. Louis bonds, . . . 100,000 00 102,500 00 

Butler Co., Ohio, bonds, 50,000 00 54,555 00 

St. Paul, Minneapolis & Manitoba R'y bonds, . 50,000 00 53,000 00 

Long Island K.R. bonds, ..... 20,000 00 19,400 00 

Cleveland, Lorain & Wheeling R'y bonds, . 50,000 00 54,500 00 

Allegheny Valley R'y bonds, .... 30,(0000 31,35000 

United New Jersey R.R. & Canal Co. stock, . 10,000 00 24,012 50 

Chicago & Northwestern R^y Co. stock, . . 20,000 00 29,000 00 

Rensselaer & Saratoga R R. stock, . . . 17,000 00 31,492 50 

St. Paul, Minneapolis & Manitoba R'y stock, . 30,000 00 34,500 00 



,562,000 00 $1,723,689 17 



404 



NORWICH UNION FIRE INSURANCE SOCIETY. 



Summary of Assets Dec. 31, 1895. 

Loans on mortgage of real estate (first liens*), $40,000 00 

Interest due or accrued thereon, . . . 150 00 

Stocks and bonds, as per schedule, r . . 1,723,689 17 

Cash in the office of the company, . . . 1,655 87 

Cash deposited in bank, 249,565 04 

Premiums in course of collection (gross), . 155,165 35 

Reinsurance, 9 46 

Premiums more than three mos. due, $15,000 61 

Gross assets, . . . . . . 



?,170,234 39 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



1229,935 00 
27,069 11 



257,004 11 



Balance, . $1,913,230 28 



Liabilities. 



Losses adjusted, unpaid, 
Less reinsurance, 



Net amount of unpaid losses, . 
Unearned premiums on outstanding risks 
Due and accrued for rent, salaries, etc., 
Commissions and brokerage, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, .... 



Surplus over capital, 



Income 

Fire premiums outstanding Dec. 31, 1894 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 



$201,368 23 
4,903 70 

$196,464 53 

1,208,696 44 

2,351 49 

30,248 51 

203 26 

^1,437,964 23 
112,918 57 



$133,610 39 
1,958,433 47 

$2,092,043 86 
170,165 96 



$1,921,877 90 
396,451 45 



1,325,045 66 



$588,184 62 
200,000 00 



$388,184 62 



,525,426 45 



* Total value of property mortgaged, 
Amount of insurance held as collateral 



$80,000 00 
40 000 00 



PALATINE INSURANCE CO., LIMITED, 



405 



Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from profit on sale of bonds, .... 



$1,800 00 
65,479 91 

15,451 49 



Gross cash income, $1,608,160 85 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash paid for commissions and brokerage, 

for salaries of officers and empktyees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



$945,093 77 
47,110 02 



$897,983 75 

259,977 83 

136,133 40 

19,539 81 

114,952 00 



$1,428,586 79 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 

Deduct amount reinsured, . . 

Net amount of force, . 



$226,538,492 00 
182,760,939 00 

$409,299,431 00 
175,949,118 00 

$233,350,313 00 
5,936,738 00 



Premiums. 

$2,425,186 77 
1,958,433 47 

$4,383,620 24 
1,956,059 48 

$2,427,560 76 
55,636 68 



$227,413,575 00 $2,371,924 08 



Miscellaneous. 
Fire losses incurred during the year, 



$910,024 00 






UNITED STATES BRANCH OF "THE PALATINE INSURANCE 
COMPANY, LIMITED," OF MANCHESTER, ENGLAND. 

Deposit Capital, $200,000. 
WM. WOOD, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $400,000 00 $439,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 200,000 00 208,000 00 

West Shore R R. bonds, 139,000 00 148,730 00 

Missouri, Kansas & Texas R.R. bonds, . . . 100,000 00 84,000 00 

Brooklyn City & Newtown R.R. bonds, . . 50,000 00 55,000 00 

Baltimore & Ohio R.R. bonds, .... 77,000 00 84,700 00 

Chicago & Northwestern R.R. bonds, . . 35,000 00 38,500 00 

New York City bonds, . . . . . 200,000 00 203,000 00 



406 



PALATINE INSURANCE CO., LIMITED. 



Manhattan Railway bonds, 
Chicago, Mil. & St. Paul R.R. bonds, 
Chicago & Northwestern R.R. bonds, 
N. Y., Lake Erie & West. Coal and R.R. bonds 
N. Y. Central & Hudson River R.R. bonds, 
Beech Creek R.R. bonds, .... 
Baltimore & Ohio Railroad bonds, . 
Chicago, Milwaukee & St Paul R R. bonds, 
N. Y. Central & Hudson River R.R. bonds, 
Chicago, Burlington & Quincy R.R. bonds, 
Oregon Railway & Navigation Co. bonds, 
Southern Kansas R.R. bonds, . 
State of Georgia bonds, .... 
Central Georgia Railway Co. bonds, 



Par Value. 

|150,000 00 
50,000 00 
64,000 00 
25,000 00 
15,000 00 
25,000 00 
20,000 00 
10,000 00 
14,000 00 
40,000 00 
7,000 00 
52,000 00 
25,000 00 
75,000 00 



Market Value. 

$145,500 00 
48,000 00 
64,530 00 
20,250 00 
15,750 00 
25,500 00 
21,900 00 
11,512 00 
16,660 00 
40,800 00 
7,840 00 
38,480 00 
25,562 00 
85,937 00 



.,773,000 00 $1,835,151 00 



Summary of Assets Dec 

Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Premiums in course of collection (gross) 
Premiums more than three mos. due, $ 1,861 78 
Gross assets, . . . 



31, 1895. 

$50,000 00 

200 00 

1,835,151 00 

2,367 37 

564,901 33 

383,616 58 



$2,836,236 28 



Unadmitted, 



Special deposits in other States, 
Cash not in control of trustees, 
Interest on special deposit, 

Balance, , 



$75,562 00 

104,345 18 

200 00 



180,107 18 
. $2,656,129 10 



Liabilities. 

Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, . . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due for borrowed money, 
State and local taxes, .... 



$39,774 35 

276,984 84 

30,751 13 

$347,510 32 
5,731 63 



$341,778 69 

1,771,962 80 

35,000 00 

957 26 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$125,000 00 

25,000 00 

5,000 00 



PALATINE INSURANCE CO., LIMITED. 



407 



Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special desposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$64,292 22 

55,148 76 

5,030 50 

$2,274,170 23 
35,013 20 



2,239,157 03 

$416,972 07 
200,000 00 



Surplus over capital, $216,972 07 

Income. 

Fire premiums outstanding Dec. 31, 1894, . $436,828 31 
Premiums on risks written or renewed, . . 3,844,223 93 

Total, $4,281,052 24 

Premiums now in course of collection, . . 385,478 36 

Entire premiums collected, .... $3,895,573 88 
Less reinsurance and return premiums, . . 850,488 91 

Net cash fire premiums received, . . . $3,045,084 97 

Interest received on mortgages, 3,000 00 

Interest and dividends received from all other sources, . . 71,107 00 

Gross cash income, $3,119,191 97 



Expenditures. 

Cash paid for fire losses, $1,813,420 92 

Deduct salvage and reinsurance, . . .• . 80,246 19 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for State and local taxes, . • 

for rent and incidentals, . 

Gross cash expenditures, . 



$1,733,174 73 

778,028 02 

179,504 36 

45,504 26 

103,652 32 

f2,839,863 69 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$229,281,377 00 $2,642,445 21 
339,742,583 00 3,844,223 93 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 



$569,023,960 00 $6,486,669 14 
263,771,294 00 3,005,706 13 



$305,252,666 00 $3,480,963 01 
4,813,572 00 44,151 22 



Net amount in force, . 

Miscellaneous. 
Fire losses incurred during the year, 



$300,439,094 00 $3,436,811 79 
.$1,802,682 00 



408 



PHCENIX ASSURANCE CO. 



UNITED STATES BRANCH OF THE "PHCENIX ASSURANCE 
COMPANY OF LONDON," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
A. D. IRVING-, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $1,198,000 00 

Central of New Jersey bonds, .... 50,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 50,000 00 

New York, Chicago & St. Louis R.R. bonds, . 50,000 00 

West Shore R.R. bonds, 120,000 00 

Pennsylvania Company bonds, . . . 25,000 00 

Chicago & Northwestern R.R. bonds, . . 43,000 00 

St. Paul, Minn , and Manitoba bonds, . . 50,000 00 



Market Value. 

11,341,760 00 
58,000 00 
51,875 00 
51,500 00 
129,000 00 
27,125 00 
46,225 00 
52,000 00 



fl,586,000 00 $1,757,485 00 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $1,757,485 00 

Cash in the office of the company, . . . 481 18 

Cash deposited in bank, . . . . . 672,811 54 

Premiums in course of collection (gross), . 209,094 84 

Reinsurance, . . , 7,208 33 

Premiums more than three mos. due, $8,234 94 
Gross assets, 



$2,647,680 89 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$218,400 00 
61,736 42 



280,136 42 



Balance, $2,367,544 47 



Liabilities. 

Losses adjusted, unpaid, $34,332 00 

claimed and reported, .... 351,082 00 

disputed or resisted, . . . . 21,891 00 

Total amount of losses, . . . . . $407,305 00 

Less reinsurance, 158,132 00 

Net amount of unpaid losses, .... $249,173 00 

Unearned premiums on outstanding risks, . 1,538,510 41 

Commissions and brokerage, .... 35,125 47 



PHCENIX ASSUIIANCE CO. 



409 



Return premiums, . 
Reinsurance, . . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



$4,619 34 
109,896 11 

L,937,324 33 
110,919 48 



11,826,404 85 

$541,139 62 

200,000 00 

1341,139 62 



Income. 

Fire premiums outstanding Dec. 31, 1894, . $247,766 68 
Premiums on risks written or renewed, . . 3,497,754 06 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Interest and dividends received from all sources, 

Gross cash income, 



$,745,520 74 
217,929 78 

$,527,590 96 
1,484,193 70 



1,043,397 26 
68,238 04 

>,111,635 30 



Expenditures. 

Cash paid for fire losses, .... 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . 

Cash paid for commissions and brokerage, 



. $1,759,565 40 
599,440 52 



for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, , , . . 



:,160,124 88 

384,246 18 

108,882 61 

47,194 26 

133,033 94 

L,833,481 87 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$384,180,103 00 $3,670,483 71 
370,207,264 00 3,497,754 06 






Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



$754,387,367 00 $7,168,237 77 
360,482,873 00 3,368,009 03 



$393,904,494 00 $3,800,228 74 
80,915,929 00 762,601 04 



$312,988,565 00 $3,037,627 70 



Miscellaneous. 
Fire losses incurred during the year, . . . 



. $1,160,726 00 



410 



PRUSSIAN NATIONAL INSURANCE CO. 



UNITED STATES BRANCH OF THE "PRUSSIAN NATIONAL 
INSURANCE COMPANY," STETTIN, GERMANY. 

Deposit Capital, $200,000. 
THEODORE W. LETTON, Resident Manager. 

Office, Chicago, III. 



Detailed Statement of Stocks 



United States government bonds, 

Baltimore & Ohio R.R. bonds, . 

Beech Creek R.R. bonds, .... 

Chesapeake & Ohio R.R. bonds, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

E. Tennessee, Virginia & Georgia R.R. bonds 

Erie Railway bonds, .... 

Illinois Central R.R. bonds, 

Lake Erie & Western R.R. bonds, . 

Lehigh Valley R.R. bonds, 

Louisville & Nashville R.R. bonds, . 

Memphis & Charleston R R. bonds, . 

Metropolitan Elevated R'y bonds, . 

Montana Central R.R. bonds, . 

Milwaukee, Lake Shore & Western R.R. bonds 

New York, Chicago & St. Louis R.R. bonds, 

Rochester & Pittsburg R.R. bonds, . 

St. Paul, Minneapolis & Manitoba R.R. bonds 

St Paul & Sioux City R.R. bonds, . 

Valley of Ohio Trust Co. certificates, 



and Bonds. 

Par Value. 

$200,000 00 
30,000 00 
30,000 00 
10,000 00 
30,000 00 

9,000 00 
10,000 00 

8,000 00 
14,000 00 
29,000 00 
31,000 00 
10,000 00 
12,000 00 
11,000 00 
11,000 00 
30,000 00 
14,000 00 

5,000 00 
26,000 00 
30,000 00 



Market Value. 

$221,000 00 
31,800 00 
31,275 00 
9,500 00 
34,537 50 
10,395 00 
13,850 00 
8,320 00 
16,240 00 
30,450 00 
36,025 00 
11,100 00 
14,400 00 
11,577 50 
13,887 50 
30,975 00 
17,430 00 
6,050 00 
33,475 00 
18,000 00 



§550,000 00 f 600,287 50 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Reinsurance, ...... 

Miscellaneous, 

Gross assets, 



$800 00 
600,287 50 

1,070 92 
57,153 68 

9,910 83 
106,057 76 

3,078 19 

8,054 16 



$786,413 04 



Unadmitted. 



Cash not in control of trustees, 
Miscellaneous, . 



f4,211 42 
8,054 16 



12,265 58 



Balance, 



I I i I • 



$774,147 46 



PRUSSIAN NATIONAL INSURANCE CO. 



411 



Liabilities. 

Losses adjusted, unpaid, . 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, . 

Less reinsurance, .... 

Net ariiount of unpaid losses, . 
Unearned premiums on outstanding risks 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Miscellaneous, ..... 
Reinsurance disallowed, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, 



Income 



Fire premiums outstanding Dec. 31, 1894 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, 

Net cash fire premiums received, 

Cash marine premiums received, 

Interest and dividends received from all sources, 

Gross cash income, . 



$27,474 94 
27,873 21 
11,975 64 

$67,323 79 
1,934 07 

$65,389 72 

337,955 47 

16,823 59 

20,287 68 

4,105 62 

941 15 



$105,219 55 
623,404 22 



$728,623 77 
106,057 76 

$622,566 01 
166,533 13 



|445,503 23 

f328,644 23 
200,000 00 

$128,644 23 



$456,032 88 

7,104 67 

25,163 09 

$488,300 64 



Expenditures. 
Cash paid for fire losses, .... 
Deduct salvage and reinsurance, 
Net cash paid for fire losses, . 
Cash paid for marine and inland losses, . 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rents and incidentals, 

Gross cash expenditures, . 



$297,369 10 
16,246 64 



$281,122 46 

1,500 00 

101,781 98 

47,994 04 

10,150 86 

31,008 09 

$473,557 43 



412 THE RELIANCE MARINE INSURANCE CO. (LIMITED.) 



Fire risks outstanding" Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$44,866,254 00 $623,267 48 
48,846,436 00 623,404 22 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 

Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 



Miscellaneous. 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, 



,712,690 00 
42,708,789 00 



,246,671 70 
596,610 70 



$51,003,901 00 $650,061 00 
1,950,387 00 24,453 05 



,053,514 00 $625,607 95 



$9,450 00 
238,629 00 



$ 188 87 
7,104 67 



$248,079 00 
184,448 00 



£7,293 54 

4,427 02 



$63,631 00 



1,866 52 



$273,045 00 
1,500 00 



UNITED STATES BRANCH OF " THE RELIANCE MARINE IN- 
SURANCE COMPANY (LIMITED)," LIVERPOOL. 

Deposit Capital, $300,000. 
H. COPE WEST, United States Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. 

$25,000 00 
200,000 00 



United States bonds, . 
New York city bonds, 
Brooklyn city bonds, 
Boston city bonds, 
Old Colony Railroad bonds, 



50,000 00 
30,000 00 
15,000 00 



Market Value* 

$27,500 00 
202,000 00 
53,250 00 
30,150 00 
15,375 00 



$320,000 00 $328,275 00 



Summary of Assets Dec. 31, 1895 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, . 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 

Reinsurance, 

Premiums more than three mos due, $1,336 26 
Gross assets, ...... 



$328,275 00 
228 38 
2,686 42 
4,806 25 
13,841 66 
5,126 30 
7,680 96 



$362,644 97 



THE RELIANCE MARINE INSURANCE CO. (LIMITED.) 413 



Unadmitted. 



Cash not in control of trustees, 
Balance, . 



Liabilities. 
Losses adjusted, unpaid, .... 
claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, . . . . . 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums and reinsurance, . 
Reinsurance disallowed, . . . . 
Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



$6,288 97 
29,422 69 
50,444 55 

$86,156 21 
66,541 39 



,614 82 

18,976 62 

350 00 

1,005 98 

1,147 48 

27,561 00 



Impairment of capital,* 



Income. 

Marine premiums outstanding Dec. 31, 1894, . $37,743 06 
Same not collected, 231 95 



Net collected, ...... $37,511 11 

Premiums on risks written or renewed, . . 147,270 84 



Total, 1184,781 95 

Premiums now in course of collection, . . 20,304 22 



Entire premiums collected, .... $164,477 73 
Less reinsurance and return premiums, . . 36,531 11 

Net cash marine premiums received, . . — — 

Interest and dividends received from all sources, . 

Gross cash income, 



Expenditures. 
Cash paid for marine and inland losses, . 
Deduct salvage and reinsurance, 
Net cash paid for marine and inland losses, . 
Cash paid for commissions and brokerage, 



5129,674 67 
39,103 77 



$2,914 80 
$359,730 17 



68,655 90 

$291,074 27 
300,000 00 

$8,925 73 



$127,946 62 
8,716 90 



$136,663 52 



$90,570 90 
13,672 46 



* Since rendering its annual statement the company has deposited in the hands of its trustees 
$15,000, par value, Hereford R.R bonds. 



414 



ROYAL INSURANCE CO. 



Cash paid for salaries of officers and employees, 
for State and local taxes, . 
for rent and incidentals, . 



$,938 93 
1,997 45 
9,364 15 



Gross cash expenditures, $125,543 89 

Risks and Premiums. 

rremiums. 

Marine risks outstanding Dec. 31, 1894, . . $1,709,13100 $12,978 45 
Marine risks written during 1895, . . . 16,564,827 00 147,270 84 



Total $18,273,958 00 $190,249 29 

Deduct risks expired and terminated, . . 15,723,504 00 164,882 16 



In force at end of year, 



1,550,454 00 $25,367 13 



Miscellaneous. 
Marine and inland losses incurred during the year, 



i,941 00 



UNITED STATES BRANCH OF THE "ROYAL INSURANCE 
COMPANY," LIVERPOOL, ENGLAND. 

Office, 85 Water Street, Boston. 
Deposit Capital, $200,000. 
SCULL & FIELD, Managers of the Neve England Branch. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $560,000 00 $652,400 00 

Albany & Susquehanna Railroad bonds, . . 350,000 00 409,500 00 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 27,500 00 

Central Railroad of New Jersey bonds, . . 200,000 00 235,000 00 

Chicago, Burlington & Quincy Railroad bonds, 50,000 00 60,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 62,000 00 78,740 00 

Chicago & Northwestern Railroad bonds, . 100,000 00 141,000 00 

Chicago, Rock Island & Pacific R.R. bonds, . 100,000 00 131,000 00 

Cin., Ind., St. Louis & Chicago R.R. bonds, . 100,000 00 102,000 00 

Cleveland & Pittsburgh Railroad bonds, . . 100,000 00 107,000 00 

Delaware & Hudson Canal Co. bonds, . . 40,000 00 56,800 00 

Illinois Central Railroad bonds, . . . 100,000 00 112,000 00 

Lake Erie & Western Railroad bonds, . . 30,000 00 34,800 00 

Michigan Central Railroad bonds, . . . 170,000 00 187,600 00 

Milwaukee & St. Paul Railroad bonds, . . 100,000 00 126,000 00 

Morris & Essex Railroad bonds, . . . 16,000 00 22,720 00 

N. Y. Central & Hudson River R.R. bonds, . 100,000 00 121,000 00 

New York, Chicago & St. Louis R.R. bonds, . 100,000 00 102,000 00 

New York & Harlem Railroad bonds, . . 110,000 00 125,400 00 

N. Y., Lackawanna & Western R.R. bonds, . 100,000 00 134,000 00 



ROYAL INSURANCE CO. 



415 



Pennsylvania Railroad bonds, . 
Pittsburgh, Fort Wayne & Chic. R.R. bonds, 
Philadelphia & Heading Railroad bonds,. 
"Rome, Water town & Ogdensburgh R.R bonds 
St Paul, Minn. & Manitoba R.R. bonds, . 
Syraeuse, Binghampton & N. Y. R.R. bonds, 
United New Jersey R.R. & Canal Co. bonds, 
West Shore Railroad bonds, 
Winona & St. Peter R.R. bonds, 



Par Value. 

$30,000 00 
14,000 00 

100,000 00 
2. r ),000 00 
75,000 00 
50,000 00 

300,000 00 

100,000 00 
38,000 00 



Market Value. 

$33,600 00 
20,100 00 

105,000 00 
29,750 00 
90,750 00 
65,500 00 

34l,0»)0 00 

106,000 00 
49,400 00 



$3,245,000 00 $3,807,620 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Rents due and accrued, .... 

Reinsurance, etc , 

Perpetual insurance deposit, 

Premiums more than three mos. due, $ 20,712 29 

Gross assets, 



^1,756,156 24 

291,000 00 

1,234 99 

3,807,620 00 

5,906 58 

472,650 25 

656,984 27 

1,858 95 

14,769 27 

2,851 37 

5,616 19 



',016,648 11 



Unadmitted. 



Special deposits, 
Real estate, . 
Cash not in control of trustees, 



1262,125 00 
65,000 00 
52,483 36 



379,608 36 



Balance, $6,637,039 75 



Liabilities. 



Losses adjusted, unpaid, . 

claimed and reported, 
disputed or resisted, 

Total amount of losses, 
Less reinsurance, 

Net amount of unpaid losses, 






* Total value of property mortgaged, 
Amount of insurance held as collateral, 



),410 06 
518,455 45 
73,562 96 

$651,428 47 
145,576 70 



5,851 77 



$642,500 00 
294,000 00 



416 



ROYAL INSURANCE CO. 



Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, 

Liability under life department, 

Due and accrued for rent, salaries, etc., 

State and local taxes, 

Commissions and brokerage, 

Return premiums, 

Reinsurance, 

Reinsurance disallowed, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, . 



1,065,985 12 

217,623 61 

116,500 00 

5,639 11 

15,645 94 

117,788 94 

23,448 00 

170,286 79 

15,338 38 

1,254,107 66 
215,139 19 



$5,038,968 47 

$1,598,071 28 
200,000 00 



Surplus over capital, $1,398,071 28 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 

Deposits received for perpetual fire risks, 



$683,450 76 
6,454,560 79 

^7,138,011 55 
679,555 51 

^6,458,456 04 
1,583,083 08 



sources, 



$4,875,372 96 

15,367 66 

186,994 03 

59,826 92 



,444 86 



Gross cash income, . $5,137,561 57 



Expenditures. 

Cash paid for fire losses, $3,026,483 97 

Deduct salvage and reinsurance, . . . 302,622 25 

Net cash paid for fire losses, .... $2,723,861 72 

Cash paid for commissions and brokerage, .... 841,284 11 
for salaries of officers and employees, . . . 324,178 80 
for State and local taxes, . ..... 124,151 17 

for rent and incidentals, 255,566 69 

Deposits returned on perpetual fire risks, . $28,349 99 



Gross cash expenditures, 



. $1,269,042 49 



ROYAL EXCHANGE ASSURANCE. 



417 



Risks and Pukmiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$875,004,060 00 
682,955,956 00 

1,557,960,016 00 
698,204,153 00 



Premiums. 

!8,685,084 83 
6,454,560 79 



$15,139,645 62 
6,580,019 47 



$859,755,863 00 
79,074,072 00 



5,553,626 15 
571,273 54 



Perpetual risks in force (not included above), $8,981,849 00 

Miscellaneous. 
Fire losses incurred during the year, .... 



$780,681,791 00 $7,982,352 61 
$9,466 63 



$2,632,096 00 



UNITED STATES BRANCH OF "THE ROYAL EXCHANGE 
ASSURANCE," LONDON, ENGLAND. 

Deposit Capital, $200,000. 
ROBERT DICKSON, Resident Manager. 

Office, San Francisco, Gal. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . $276,600 00 $304,260 00 

Boston city bonds, 22,000 00 23,540 00 



$298,600 00 $327,800 00 



Summary op Assets Dec. 31, 1895. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Reinsurance, 

Premiums more than three mos. due, $1,831 21 
Gross assets, 

Unadmitted. 

Special deposits, 

United States bonds not in control of trustees, 
Cash in office not in control of trustees, . 
Cash in bank not in control of trustees, . 



|327,800 00 

60 79 

2,798 43 

2,676 00 

37,752 68 

1,704 21 



$372,792 11 



$55,000 00 

9,900 00 

60 79 

5,474 43 



70,435 22 



Balance, 



$302,356 89 



418 



ROYAL EXCHANGE ASSURANCE, 



Liabilities. 

Losses adjusted, unpaid, . 

Less reinsurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance, . . . . . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, . 
Deposit capital, ..... 

Impairment of capital,* 



$23,683 00 
5,847 00 



$f 7,836 00 

112,576 96 

7,173 00 

706 55 

J 138,292 51 
16,455 00 



$121,837 51 



. $180,519 38 
200,000 00 



$19,480 62 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, „ 

Total, . . 
Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, . . . — 

Interest and dividends received from all sources, . 

Gross cash income, ...... 



f43,492 50 
233,759 38 

$277,251 88 
39,583 89 



$237,667 99 
71.516 32 



- $166,151 67 
11,584 00 

. $177,735 67 



Expenditures. 

Cash paid for fire losses, . . , . . $84,729 81 
Deduct salvage and reinsurance, . . . 11,282 77 

Net cash paid for fire losses, .... $73,447 04 

Cash paid for commissions and brokerage, 38,144 33 

for salaries of officers and employees, . . . 12,976 00 

for State and local taxes, 2,838 50 

for incidentals, 23,273 31 

Remitted to home office, $22,593 50 



Gross cash expenditures, 



$150,679 18 



* Since December 31 the United States bonds disalbwed in assets have passed into the control 
of the trustees, who have also purchased $25,000 of the new government loan. 



SCOTTISH UNION AND NATIONAL INSURANCE CO. 



419 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . . $15,424,548 00 $244,998 27 
Fire risks written during 1895, . . . 19,066,415 00 233,759 38 



Total, f 35,090,963 00 $478,757 65 

Deduct risks expired and terminated, . . 14,829,377 00 237,704 92 



In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



.$20,261,586 00 $240,992 73 
. 1,341,079 00 15,838 70 



Miscellaneous. 
Fire losses incurred during the year, 



$18,920,507 00 $225,154 03 
. $81,306 00 



UNITED STATES BRANCH OF THE "SCOTTISH UNION AND 
NATIONAL INSURANCE CO.," EDINBURGH, GREAT BRITAIN. 

Deposit Capital, $200,000. 
M. BENNETT, Manager. 

Office, Hartford, Conn. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $50,000 00 $54,750 00 

County of Middlesex debentures, . . . 22,000 00 22,000 00 

City of Toronto bonds, 1,500 00 1,500 00 

Ontario Railway subsidy bonds, . . . 51,912 00 46,026 30 

Canada inscribed stock, . . . . . 100,000 00 109,000 00 

City of Richmond bonds, 52,500 00 52,500 00 

Georgia State bonds, 25,000 00 25,000 00 

Freehold Loan and Savings Co. debenture, . 25,000 00 25,000 00 

New York City bonds, 200,000 00 202,000 00 

Land Security Co. debenture, .... 25,000 00 25,000 00 

Central Canada Loan & Savings Co. debenture, 25,000 00 25,000 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 50,000 00 44,750 00 

Pitts., Cincinnati, Chic. & St, Louis R.R. bonds, 25,000 00 25,281 25 

Cleve., Cincinnati, Chic. & St. Louis R.R. bonds, 30,000 00 25,087 50 

Boston & Maine Railroad bonds, . . . 50,000 00 57,500 00 

Central Railroad of New Jersey bonds, . . 50,000 00 57,125 00 

Maine Central Riilroad bonds,. . . ." 40,000 00 40,800 00 

Baltimore and Ohio Railroad bonds, . . 26,000 00 28,860 00 

City of Toledo, Ohio, bonds, .... 50,000 00 52,875 00 

County of Milwaukee, Wisconsin, bonds, . . 35,000 00 38,600 00 

County of Lucas, Ohio, court house bonds, . 100,000 00 101,000 00 

Staten Island Railroad bonds, .... 25,000 00 25,625 00 

Chicago & Northwestern Railroad bond3, . 50,000 00 54,125 00 

Hartford Street Railway bonds, , . . 100,000 00 101,750 00 






$1,208,912 00 $1,241,155 05 



420 



SCOTTISH UNION AND NATIONAL INSUKANCE CO. 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Reinsurance, 

Gross assets, 



31, 1895. 

$34,389 94 

1,465,689 68 

26,810 30 

1,241,155 05 

802 99 

286,361 25 

12,105 54 

253,596 70 

2,610 22 



13,323,521 67 



Special deposits in other States, 
Cash not in control of trustees, 



Unadmitted. 



$345,750 00 
37,164 24 



382,914 24 



Balance, $2,940,607 43 



Liabilities. 
Losses adjusted, unpaid, .... 

claimed and reported, . 

disputed or resisted, 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance, . . . . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$64,401 50 

104,994 00 

19,849 50 

1,259,801 69 

25,875 00 

97,650 25 

11,572,571 94 
221,147 27 



1,351,424 67 



.,589,182 76 
200,000 00 



Surplus over capital, 

Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, ....... 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Gross cash income, .... 



$1,389,182 76 



$197,721 99 
2,873,258 75 

?3,070,980 74 
253,596 70 

^2,817,384 04 
1,288,586 59 



sources, 



$1,528,797 45 
72,645 56 
40,813 03 

$1,642,256 04 



* Value of lands mortgaged, 
Value of buildings thereon, . . . 
Amount of insurance held as collateral, 



$1,749,800 
1,868,405 
1,564,925 



SCOTTISH UNION AND NATIONAL INSURANCE CO. 



421 



Expenditures. 

Cash paid for fire losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



Gross cash expenditures, . 



$809,379 99 

258,224 19 

69,813 66 

44,019 33 

110,831 73 

. $1,292,268 90 



Fire risks outstanding Dec. 31, 1894, 
Fire risks written during 1895, 



Risks and Premiums. 

Premiums. 

$279,142,038 00 $2,769,173 35 
286,473,800 00 2,873,258 75 



Total 

Deduct risks expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, . 



$565,615,838 00 $5,642,432 10 
221,740,134 00 2,524,926 93 



$343,875,704 00 $3,117,505 17 
83,548,356 00 723,160 42 



$260,327,348 00 $2,394,344 75 



Miscellaneous. 
Fire losses incurred during the year, 



. $805,384 00 



UNITED STATES BRANCH OF THE "SUN INSURANCE OFFICE," 

LONDON, ENGLAND. 

Deposit Capital, $200,000. 
J. J. GUILE, Resident Manager. 

Office, New York, N. Y. 
Detailed Statement op Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $484,000 00 $521,960 00 

Savannah & Western R.R. bonds, . . . 25,000 00 15,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 28,500 00 

Chicago, Milwaukee & St. Paul R.R. bonds, . 15,000 00 15,450 00 

Atchison, Topeka & Santa Fe notes, . . 50,000 00 50,000 00 

St. Louis Bridge Co. bonds, .... 25,000 00 33,000 00 

Minn., Saulte Ste. Marie & Atlantic R.R. bonds, 25,000 00 23,750 00 

Cleve., Cinn., Chicago & St. Louis R.R., . . 25,000 00 22,750 00 

Louisville & Nashville R.R. bonds, . . . 23,000 00 25,990 00 

Norfolk & Western R.R. bonds, . . . 20,000 00 21,800 00 

Atchison, Topeka & Santa Fe bonds, . . 25,000 00 17,500 00 

Rio Grande Junction bonds, . , . . 25,000 00 21,500 00 



422 



SUN INSURANCE OFFICE. 



Cincinnati, Hamilton & Dayton bonds, . 
Terminal R.R. Association of St. Louis bonds, 
New York, Lake Ede & Western bonds, 
Pittsburgh, Fort Wayne & Chicago stock, 
West End Street Railway Co. bonds, 
Lehigh Valley Terminal bonds, 
Chicago, Milwaukee & St. Paul bonds, . 
Milwaukee, Lake Shore & Western bonds, 
Lehigh & New York bonds, 
Louisville & Nashv'e & Mobile & Montg. b'ds 
City of Sandusky, Ohio, bonds, 
City of Dayton, Ohio, bonds, . 
City of Richmond, Va., bonds, . 
Lucas County, Ohio, court house bonds, . 
City of Youngstown, Ohio, township park b'ds 
Harrison County, Ohio, court house bonds, 
City of Toledo, Ohio, street improvement b'ds 
City of Portland, Oregon, water loan bonds, 
Underwriters Salvage Co. stock, 



Par Value. 

$50,000 00 

25,000 00 

50,000 00 

30,000 00 

50,000 00 

50,000 00 

25,000 00 

25,000 00 

100,000 00 

100,000 00 

10,000 00 

45,000 00 

10,000 00 

25,000 00 

5,000 00 

10,000 00 

10,000 00 

32,000 00 

1,000 00 



Market Value. 

150,500 00 
27,500 00 
70,000 00 
46,500 00 
52,250 00 
55,500 00 
25„750 00 
27,500 00 
92,000 00 

104,000 00 
10,300 00 
51,750 00 
11,200 00 
25,500 00 
5,400 00 
10,500 00 
11,300 00 
36,160 00 
1,000 00 



$1,420,000 00 $1,511,810 00 



Summary of Assets Dec. 31, 1895. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*) 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents due and accrued, .... 
Premiums more than three mos. due, f 17,610 18 
Gross assets, 



$270,000 00 

203,000 00 

1,975 83 

1,511,810 00 

371 50 

178,762 58 

24,731 24 

287,018 07 

1,778 50 



>,479,447 72 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$199,450 00 
40,024 79 



239,474 79 



Balance, . $2,239,972 93 

* Value of lands mortgaged $163,000 00 

Value of buildings thereon 155,000 00 

Amount of insurance held as collateral 137,000 00 



SUN INSURANCE OFFICE. 



423 



Liabilities. 

Losses adjusted, unpaid 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, .... 
Less reinsurance, 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Reinsurance, 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



$85,328 50 
64,452 00 
24,503 25 

$174,283 75 
4,175 00 

$170,108 75 

1,413,057 78 

1,108 33 

60,925 65 

7,754 15 

2,405 92 

$1,655,360 58 
147,939 89 



1,507,420 69 

$732,552 24 
200,000 00 

$532,552 24 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from rents, 



Gross cash income, 



$317,042 10 
2,066,403 14 

$2,383,445 24 
304,628 25 



$2,078,816 99 
487,351 94 



sources, 



$1,591,465 05 

18,405 26 

62,977 75 

9,820 25 

$1,682,668 31 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . . - 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 



$946,598 59 
3^973 02 



,625 57 

288,075 62 

78,784 32 

35,253 72 

163,601 89 



Gross cash expenditures, . . . . . . . $1,476,341 12 



424 THAMES AND MEKSEY MARINE INSURANCE CO. 



Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . $301,087,0.57 00 $ 2,960,884 18 
Fire risks written during 1895, . . 199,416,066 00 2,066,403 14 



Total, 8500,503,123 00 $5,027,287 32 

Deduct risks expired and terminated, . 184,487,824 00 2,070,406 41 



In force at end of year, .... $316,015,299 00 $2,956,880 91 
Deduct amount reinsured, . . . 14,904,382 00 141,180 67 



Net amount in force, . . . $301,110,917 00 $2,815,700 24 

Miscellaneous. 
Fire losses incurred during the year, $865,856 00 



UNITED STATES BRANCH OF THE "THAMES AND MERSEY 
MARINE INSURANCE COMPANY," LIVERPOOL, ENGLAND. 

Deposit Capital, $300,000. 
A. J. MACDONALD, Manager. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $375,000 00 $416,250 00. 

Chicago & Northwestern Railway Co. bonds, . 80,000 00 94,400 00 



Summary of Assets Dec 



$455,000 00 $510,650 00 



31, 1895. 



Stocks and bonds, as per schedule, . . . $510,650 00 

Cash in the office of the company, . . . 4,934 42 

Cash deposited in bank, 23,289 94 

Premiums in course of collection (gross), . 54,806 84 

Notes taken for marine and inland risks, . 1,919 37 

Reinsurance, 4,945 21 

Premiums more than three mos. due, $3,049 58 

Gross assets, $600,545 78 

Unadmitted. 

Special deposits in other States, . . . $83,250 00 

Cash not in control of trustees, , . . 28,224 36 

111,474 36 



Balance, $489,071 42 



THAMES AND MERSEY MARINE INSURANCE CO. 



425 



Liabilities. 

Losses adjusted and reported, . 
Losses claimed and reported, . 

Total amount of losses, .... 
Less reinsurance, ..... 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 
Reinsurance, ...... 

Reinsurance disallowed, .... 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 



$121,224 00 
25,263 00 

$146 487 00 
6*105 00 



^85,382 00 

76,450 00 

4,358 65 

12,437 74 

31,110 00 



$209,738 39 
422 88 



Impairment of capital,* 

Income. 

Marine premiums outstanding Dec. 31, 1894, . $32,041 20 
Same not collected, 246 65 

Net collected $31,794 55 

Premiums on risks written or renewed, . . 437,497 31 

Total, . $469,291 86 

Premiums now in course of collection, . . 59,775 79 

Entire premiums collected, .... $409,516 07 
Less reinsurance and return premiums, . . 77,005 23 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from suspense account, 

Gross cash income, 

Expenditures. 
Cash paid for marine and inland losses, . . $203,284. 19 
Deduct salvage and reinsurance, . . . 53,922 69 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, . . 

for salaries of officers and employees, . 

for State and local taxes, 

for rent and incidentals, 

Remitted to home office, . . . . . $124,775 42 

Gross cash expenditures, 



$209,315 51 

$279,755 91 
300,000 00 



$20,244 09 



$332,510 84 

15,000 00 

571 25 

$348,082 09 



$149,361 50 

26,429 32 

21,621 57 

7,063 54 

18,924 27 



$223,400 20 



■* Since rendering its annual statement the company has made good this impairment by a 
deposit with the trustees of a like amount in current funds. It is also claimed by the company 
that a loss of $26,000, included in liabilities, has since been paid by "cash not in control of 
trustees," which would increase the surplus by an equal amount. 



426 



UNION MARINE INSURANCE CO. (LIMITED). 



Risks and Premiums. 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total,. ..*... 
Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



$3,258,613 00 
81,760,250 00 



585,018,863 00 
78,759,338 00 



1,259,525 00 
516,020 00 



Premiums. 

$30,805 00 
437,497 31 



$468,302 31 
383,530 31 



|84,772 00 
8,322 00 



1,743,505 00 $76,450 00 



Miscellaneous. 
Marine and inland losses incurred during the year, 



$149,361 00 



UNITED STATES BRANCH OF THE "UNION MARINE INSUR- 
ANCE COMPANY (LIMITED), 1 ' LIVERPOOL, ENGLAND. 

Deposit Capital, $300,000. 

JONES & WHITLOCK, Attorneys. 

Office, New York, N. Y. 



Detailed Statement of Stocks 



New York city stock, .... 
Eastern Railroad bonds, .... 
Boston & Lowell Railroad bonds, 
Boston & Albany Railroad bonds, . 
Boston & Maine Railroad bonds, 
Old Colonj- Railroad bonds, 

United States bonds, 

Atchison, Topeka & Santa Fe Railroad bonds 
Pennsylvania Railroad bonds, . 
Ohio & Mississippi Railroad bonds, . 
Baltimore & Ohio Railroad bonds, . 
Detroit, Grand Haven & Milwaukee R.R. bonds, 
Eastern Railroad bonds, 



and Bonds. 

Far Value. 

$100,000 00 

68,445 00 

14,000 00 

4,000 00 

7,000 00 

7,000 00 

200,000 00 

55,500 00 

25,000 00 

14,000 00 

3,000 00 

1,000 00 

5,000 00 



Market Value. 

$101,500 00 

81,449 55 

14,495 00 

4,240 00 

8,207 50 

7,323 75 

228,000 00 

39,960 00 

30,000 00 

14,000 00 

3,630 00 

999 00 

6,000 00 



$503,945 00 $539,804 80 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $539,804 80 

Cash deposited in bank, . . . . . 11,119 74 

Premiums in course of collection (gross), . 44,456 93 

Notes taken for marine and inland risks, . 457 80 

Reinsurance, 2,462 01 

Premiums more than three mos. due, $900 36 

Gross assets, 



$598,301 28 



UNION MAKINE INSURANCE CO. (LIMITED). 



427 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 
Bills receivable, 



$113,000 00 

11,119 74 

457 80 



|124,577 54 



Balance, $473,723 74 



Liabilities. 

Losses adjusted and reported, . 

Less reinsurance, 

Net amount of unpaid losses, , . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 
Return premiums, . . . . 
Reinsurance, etc., . . . . . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Deposit capital, .... 



$130,009 75 
43,750 00 



,259 75 

53,309 21 

1,036 44 

1,399 93 

7,136 34 

12,468 44 



$161,610 11 
4,233 54 



157,376 57 



$316,347 17 
300,000 00 



Surplus over capital, . 



$16,347 17 



Income. 

Marine premiums outstanding Dec. 31, 1894, . $24,593 41 

Same not collected, 259 83 

Net collected, $24,333 58 

Premiums on risks written or renewed, . . 302,189 77 

Total, $326,523 35 

Premiums now in course of collection, .- . 45,357 29 

Entire premiums collected, .... $281,166 06 

Less reinsurance and return premiums, . . 20,800 42 

Net cash marine premiums received, . . 

Interest and dividends received from all sources, . 

Income from all other sources, 

Received from home office, .... $40,296 25 



$260,365 64 

16,301 84 

1,036 44 



Gross cash income, 



$277,703 92 



428 



UNION SOCIETY. 



Expenditures. 

Cash paid for marine and inland losses, . . $207,760 25 
Deduct salvage and reinsurance, . . . 34,747 33 

Net cash paid for marine and inland losses, . -■— 

Cash paid for commissions and brokerage, . • 

for salaries of officers and employees, . 

for State and local taxes, 

for incidentals, 

Remitted to home office, . . . . . $72,080 52 

Gross cash expenditures, 

Risks and Premiums. 

Marine risks outstanding Dec. 31, 1894, . . $3,087,239 00 
Marine risks written during 1895, . 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



$173,012 92 

53,822 75 

5,680 00 

6,615 35 

8,108 21 



$247,239 23 

Premiums. 

$42,699 72 



. 59,201,706 00 


302,189 77 


. $62,288,945 00 
. 59,363,776 00 


$344,889 49 
276,613 31 


. $2,925,169 00 
533,305 00 


$68,276 18 
10,854 46 



Net amount in force, 

Miscellaneous. 

Marine and inland losses incurred during the year, 



,391,864 00 $57,421 72 



$309,721 00 



UNITED STATES BRANCH OF THE "UNION SOCIETY," 
LONDON, ENGLAND. 

Deposit Capital, $200,000. 
HALL & HENSHAW, Resident Managers. 

Office, New York, N. Y. 
Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, . . . . . . $303,400 00 $354,978 00 

Massachusetts State bonds, .... 50,000 00 50,500 00 

Boston city bonds, 50,000 00 57,330 00 

New York city bonds and stock, . . . 196,000 00 197,155 00 

Portland (Oregon) water bonds, . . . 50,000 00 56,000 00 

Beech Creek Railroad bonds, .... 25,00000 25,50000 

West Shore Railroad bonds, . . . . 55,000 00 58,712 50 

Broadway & 7th Avenue R.R. bonds, . . . 25,000 00 28,125 00 

Maine Central R.R bonds 25,000 00 25,250 00 

Allegheny Valley R.R. bonds, . . . . 25,000 00 26,500 00 

Lehigh & New York R.R. bonds, . . . 20,000 00 20,468 00 

St. Paul, Minnesota & Manitoba R.R. bonds, . 25,000 00 29,750 00 

Chicago city bonds, 50,000 00 52,500 00 



$899,400 00 $982,768 50 



UNION SOCIETY. 



429 



Summary of Assets Dec. 31, 1895. 

Stocks and bonds, as per schedule, . . . $982,768 50 

Cash in the office of the company, . . . 10,408 80 

Cash deposited in bank, 36,299 09 

Premiums in course of collection (gross), . 143,565 36 

Gross assets, 



.,173,041 75 



Unadmitted. 

Special deposits in other States, . . . $173,000 00 
Cash and securities not in control of trustees, . 50,685 89 



223,685 89 



Balance, $949,355 86 



Liabilities. 

Losses adjusted, unpaid, $20,987 95 

claimed and reported, .... 96,164 26 

disputed or resisted, . . . 2,181 77 

Unearned premiums on outstanding risks, . 491,534 23 

Commissions and brokerage, .... 37,908 39 

Return premiums, 1,589 38 

Reinsurance disallowed, 13 67 

Gross liabilities, except capital, . . $650,379 65 

Deduct liability on special deposits, . . 19,954 75 



Surplus as regards policy-holders, . 
Deposit capital, . 



630,424 90 

$318,930 96 
200,000 00 



Surplus over capital, $118,930 96 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, ' 

Premiums now in course of collection, 



Entire premiums collected, . . . 
Less reinsurance and return premiums, , 
Net cash fire premiums received, 
Interest and dividends received from all sources, 



$116,354 42 

1,065,804 60 



fl,182,159 02 
143,565 36 

fl,038,593 66 
175,131 34 



|863,462 32 
29,005 18 



Gross cash incon 



. $892,467 50 



430 



WESTERN ASSURANCE CO. 



Expenditures. 

Cash paid for fire losses, $391,079 58 

Deduct salvage and reinsurance, . . . 5,207 51 

Net cash paid for fire losses, .... $385,872 07 

Cash paid for commissions and brokerage, .... 218,017 64 

for salaries of officers and employees, . . . 11,259 80 

for State and local taxes, . . 21,514 51 

for incidentals, ........ 13,723 57 



Gross cash expenditures, ....... $650,387 59 

Risks and Premiums. 

Premiums. 

Fire risks outstanding Dec. 31, 1894, . . $57,052,633 00 $759,065 38 



Fire risks written during 1895, 

Total 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



. 93,288,366 00 1,065,804 60 



f 150,340,999 00 $1,824,869 98 
77,283,596 00 864,350 99 



.|73,057,403 00 $960,518 99 
846,175 00 11,701 28 



Net amount in force, $72,211,228 00 $948,817 71 

Miscellaneous. 
Fire losses incurred during the year, ..... $383,051 00 



UNITED STATES BRANCH OF THE "WESTERN ASSURANCE 
COMPANY," TORONTO, CANADA. 

Deposit Capital, $300,000. 

FREDERICK B. CARPENTER, New England Manager. 

Office, 13 Central Street, Boston. 
Detailed Statement op Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $241,000 00 $267,510 00 

City of Columbus, Ohio, bonds, . . . 50,000 00 53,350 00 

City of Toledo, Ohio, bonds, .... 50,000 00 51,365 00 

Georgia State bonds, ...... 25,000 00 26,250 00 

City of Richmond, Va., bonds, . . . . . 42,000 00 • 42,000 00 

Dominion of Canada stock, . . . . 151,350 00 158,160 75 

Canadian Bank of Commerce stock, . . 40,000 00 54,400 00 

Imperial Loan and Investment Co. stock, . 25,000 00 27,000 00 

Dominion Savings & Investment Co. stock, . 15,000 00 12,000 00 

Canada Permanent Loan & Savings Co. stock, 3,500 00 5,250 00 

Freehold Loan & Savings Co. stock, . . 9,500 00 10,450 00 



WESTERN ASSURANCE CO. 



431 



Toronto Loan & Savings Co. stock, . 

Central Canada Loan & Savings Co. stock, 

Toronto Loan & Savings Co. debentures, 

Central Can. Loan & Savings Co. debentures, 

City of London, Ont., debentures, 

City of Montreal, Que., debentures, . 

City of Toronto, Ont., debentures, . 

City of Kingston, Ont., debentures, . 

City of Winnipeg, Man., debentures, 

City of Portland, Ore., bonds, . 

Chicago Electric Transit Co. bonds, 



Par Value. 

$22,500 00 
20,000 00 
25,000 00 
45,000 00 
40,000 00 
46,000 00 
60,000 00 
21,300 00 
24,000 00 
50,000 00 
25,000 00 



Market Value. 
$25,000 00 

24,000 00 
25,000 00 
45,000 00 
41,168 00 
46,413 00 
61,116 00 
21,074 43 
26,025 80 
55,325 00 
27,250 00 



fl,031,150 00 $1,108,107 98 



Summary of Assets Dec. 31, 1895. 



Loans on mortgage of real estate (first liens*), 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Notes taken for marine and inland risks, 
Gross assets, 



$20,000 00 

1,108,107 98 

18 91 

214,285 34 

274,740 25 

33,977 50 



L,651,129 98 



Unadmitted. 



Special deposits in other States, 
Cash not in control of trustees, 



$226,160 00 
18,940 46 



245,100 46 



Balance, $1,406,029 52 



Liabilities. 

Losses adjusted and reported, .... $153,242 84 

Losses disputed or resisted, .... 23,502 02 

Unearned premiums on outstanding risks, . 918,894 68 

Commissions and brokerage, .... 35,835 67 

Gross liabilities, except capital, .. . $1,131,475 21 

Deduct liability on special deposits, . . 121,191 39 



Surplus as regards policy-holders, . 
Deposit capital, 



Surplus over capital, . 



1,010,283 82 

$395,745 70 
300,000 00 

$95,745 70 



* Total value of property mortgaged, , 
Amount of insurance held as collateral, 



$43,500 00 
13,200 00 



432 



WESTERN ASSURANCE CO. 



Income. 

Fire premiums outstanding Dec. 31, 1894, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash fire premiums received, 

Marine premiums outstanding Dec. 31, 1894, 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less reinsurance and return premiums, . 

Net cash marine premiums received, 

Interest and dividends received from all sources, 



$276,269 72 
1,803,211 25 

$2,079,480 97 
266,092 80 

$1,813,388 17 
309,384 30 



$1,504,003 87 



),205 31 
393,216 57 

$452,421 88 
42,624 95 

$409,796 93 
93,978 61 



315,818 32 
44,211 04 



Gross cash income, ........ $1,864,033 23 



Expenditures. 

Cash paid for fire losses, 

Deduct salvage and reinsurance, 

Net cash paid for fire losses, . . . 

Cash paid for marine and inland losses, . . 

Deduct salvage and reinsurance, 

Net cash paid for marine and inland losses, . 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for incidentals, 

Gross cash expenditures, .... 



$897,648 73 
74,166 36 



$403,392 93 
62,452 42 



- $823,482 37 



340,940 51 

346,465 34 

35,800 00 

40,244 79 

153,556 16 

. $1,740,489 17 



Risks and Premiums. 



Fire risks outstanding Dec. 31, 1891, 
Fire risks written during 1895, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . . 
Deduct amount reinsured, 

Net amount in force, . . . 



$121,933,697 00 
128,329,654 00 

$250,263,351 00 
114,132,816 00 



Premiums. 

^1,654,958 04 
1,803,211 25 

^3,458,169 29 
1,673,879 82 



$136,130,535 00 
2,299,995 00 



,784,289 47 
28,302 23 



$133,830,540 00 $1,755,987 24 



WESTERN ASSURANCE CO. 



433 



Marine risks outstanding Dec. 31, 1894, 
Marine risks written during 1895, . 

Total 

Deduct risks expired and terminated, 

In force at end of year, , 
Deduct amount reinsured, 

Net amount in force, . 



Premiums. 

88,734,324 00 $115,983 75 
57,817,518 00 393,216 57 



551,842 00 $509,200 32 
58,240,892 00 394,634 80 



^8,3 10,950 00 $114,565 52 
1,565,067 00 39,025 55 



1,745,883. 00 f 75,539 97 



Miscellaneous. 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 



$819,310 00 
320,827 00 



AGGREGATE. 



Deposit capital, 

Gross present assets,* 

Gross present liabilities,! 


» 




$7,300,000 
$58,013,635 
$37,789,529 


Income. 

Net cash receiver! for fire premiums, 

Net cash received for marine and inland premiums, . 

Interest received from all sources, 

Miscellaneous, 


$41,013,820 

3,788,212 

1,832,926 

233,334 


Total income, 


$46,868,292 


Expenditures. 
Net cash paid for fire losses, .... 
Net cash paid for marine and inland losses, 
Cash paid for commissions and brokerage, . 

for salaries of officers and employees, 

for State and local taxes, 

for all other items, .... 






$23,404,845 
2,412,426 
8,120,122 
2,777,301 
1,031,039 
2,704,058 


Total expenditures, 


$40,449,791 


Risks and Premiums. 
Fire risks written during the year, 
Premiums thereon, ...... 

Marine and inland risks written during the year, 
Premiums thereon, ...... 

Fire risks terminated, ...... 

Marine risks terminated, 

Fire risks outstand ng at end of year, . 
Marine risks outstanding at end of year, 
Fire losses incurred during the year, . 
Marine losses incurred during the year, 






$5,159,560,329 

55,236,510 

1,363,158,887 

5,362,947 

4,931,577,133 

1,342,978,004 

5,835,923.975 

77,945,625 

22,555,166 

2,619,129 



* Immediately available for the payment of losses in this State. 

| Not including liabilities in States wherein special deposits have been made. 



APPENDIX. 



APPENDIX. 



GLOUCESTER MUTUAL FISHING INSURANCE COMPANY, 

GLOUCESTER.* 

[Incorporated 1847. Commenced business 1847.] 
DAVID S. PRESSOR, President. FRANCIS BENNETT, Secretary. 

Summary of Assets Dec. 31, 1895. 
Cash in bank and iu course of collection, . $16,140 07 

Gross assets $16,140 07 



Liabilities. 



Losses unpaid, . 
State and local taxes, 
Gross liabilities, . 



$7,000 00 
342 82 



r ,342 82 



Income. 

Premiums collected during the year, . . $55,276 43 

Gross cash income, — $55,276 43 

Expenditures. 

Cash paid for marine losses, .... $47,381 62 

for salaries of officers and employees, 3,473 00 

for State and local taxes, . . 684 49 

for rent and incidentals, . . , 1,396 29 

for interest on borrowed money, . 509 72 

Gross cash expenditures, .... — $53,445 12 



Risks and Premiums. 



Marine risks written during 1895, . 
Marine risks expired and terminated, 

Miscellaneous. 
Marine losses incurred during the year, . 



81,305,331 00 
1,305,331 00 



Premiums. 

§105,823 66 
105,823 66 



$48,290 00 



* The stock is subscribed annually, in November, in shares of $1,000 each, for which a stock- 
note is given of $200 per share, upon which all assessments are made. Each subscriber is 
required to insure vessel property to at least seven-eighths of the amount of stock taken by him. 
No vessels are insured except Gloucester fishing vessels. No one risk exceeds $10,000. All 
risks terminate on the fifteenth day of November of each year, and each year's business is 
settled at the close of the year. Premiums commence in November at 9 per cent., and decrease 
as the season advances to 4 per cent., which is the lowest premium. 



438 EEPOET OF THE 



SUGGESTIONS FOR LEGISLATION. 



^ommortfo^altlj of Passnrijusetts. 



Insurance Department, Boston, Jan. 1, 1896. 

To the Honorable the Senate and House of Representatives in General 

Court assembled. 

In accordance with the provisions of law, herewith is sub- 
mitted such portions of the forthcoming report of the Insurance 
Commissioner as contain suggestions for legislative action : — 

The provisions of the last paragraph of section 16 of chapter 
367 of the Acts of the } T ear 1894 have led to some confusion in 
regard to the change in the character of the corporations therein 
mentioned. The word "reincorporate" should be stricken out 
and a provision inserted by which the companies named may 
"avail themselves" of the privileges of the assessment act. 

Under the provisions of the statute requiring in certain con- 
tingencies that the Insurance Commissioner should appoint a 
third referee in regard to a disputed fire loss, there has arisen 
some difficulty as to the payment of the said referee, and a 
provision ought to be inserted in the statute providing therefor. 

Under the statute of last year reviving, with a smaller 
minimum sum than was required under former laws, the pro- 
vision for a guarantee capital for a mutual fire insurance 
company, the question has arisen as to the application in 
such company when commencing business, of the provision of 
the law in regard to the number and amount of risks. The 
statute should be amended so as to provide that the exemption 
from these provisions should only apply to companies with a 
guarantee capital of not less than $100,000. 

The statutes of this Commonwealth forbid the transaction 



INSURANCE COMMISSIONER. 439 

within Massachusetts of any insurance business except by 
representatives of duly authorized companies. The experience 
of the past year and a half has shown that some of the new 
mutual fire insurance companies of this Commonwealth have 
gone into other States where they had not been legally 
admitted, transacting a large amount of business upon which 
it is exceedingly doubtful if any assessment can be collected. 
The result is that not only in these incursions into unauthorized 
territory do the companies of Massachusetts deliberately in- 
fringe upon the laws of other States, but that in the ultimate 
event of losses the Massachusetts policy-holders are required 
to pay a very much larger assessment than would have been 
the case had this business not been illegitimately carried on. 
The statute should absolutely forbid companies of this class 
from transacting business in States into which they have not 
been lawfully admitted. 

The disastrous failure in one of the cities of the Common- 
wealth of a voluntary association holding a very considerable 
amount of funds, while not incorporated but promising to pay 
gratuities to its members, suggests the desirability of an 
amendment to the statute by which such holding of funds shall 
be forbidden, except by duly incorporated associations. 

The act passed last year legitimatizing the business of in- 
surance against loss from sprinklers has not entirely met the 
public want in this direction, and it would seem as if the 
statute might be further enlarged without danger to the public 
and in the interest of those having stocks of goods which they 
desire to have thus insured. 

The work of the department in all of its branches has in- 
creased three-fold within the past twenty years, while the 
number of clerks employed otherwise than in the actuarial 
business has not been increased for more than twenty years. 
It is absolutely necessary to the proper conduct of the work 
of the office that there should be added to the list of employees 
an examiner. 

While the statutes of Massachusetts require that a license as 
agent shall be granted only to a resident of this Commonwealth 
the provision is made that a license as a broker may be issued 
to any suitable person. Under this law, citizens of other 
States — notably of the adjoining State of New Hampshire — 



440 REPORT OF THE 

are given licenses as brokers and are thus permitted to come 
into Massachusetts and transact insurance business, while the 
laws of these same States- — conspicuously New Hampshire — 
forbid the granting to a citizen of Massachusetts any authority 
whatever to transact insurance business in such State. It 
would seem as if the law of reciprocity or retaliation ought to 
be so far strengthened as to forbid the issuance of a broker's 
license to transact business in Massachusetts to a resident of 
any State wherein the laws forbid the issuance of a like license 
to a citizen of Massachusetts. 

Attention is again invited to the salary of the Insurance 
Commissioner. As was stated last year, for several years 
prior to 1875 the salary of the Insurance Commissioner of this 
Commonwealth was $5,000. By the specific provisions of 
chapter 434 of the Acts of the year 1869, entitled "An Act 
providing compensation for clerical and actuarial services in the 
insurance department," the cost of clerical assistance, incidental 
and contingent expenses are to be paid out of the fees received 
from the insurance companies. These fees, which are in 
addition to the ordinary and usual taxes paid by the insurance 
companies in like form and manner as any other corporations, 
are by the act mentioned specifically provided for the purpose 
of paying the expenses of the Department. For many years 
they have been largely in excess of the entire cost, and a very 
considerable sum is annually paid therefrom into the treasury 
above the entire expense of carrying on the Insurance Depart- 
ment. The companies paying these fees are unanimously in 
favor of having a larger portion devoted to the salary of the 
Insurance Commissioner than at present. 

The increase in business since 1875, when the salary was 
$5,000, has been enormous, as is shown by the following com- 
parison of the principal items, giving the business of companies 
reporting to the Department : — 



1875. 


1895. 


765,422 


1,904,413 


$1,907,000,000 


$4,845,983,742 


39,929 


57,191 


13,239 


24,000 



Number of policies in force, . 
Amount of same, . 
Receipts of Department, 
Surplus to State over expenditures, 



INSURANCE COMMISSIONER. 



441 



Further than this, the following compilation shows the in- 
crease in the work of the Department from 1887 to 1895, 
during the incumbency of the present Commissioner : — 



1887. 



1895. 



Per Cent. 
Increase. 



Level premium policies, number, 
Level premium policies, amount, 

Fire and marine reported 

Assessment companies, number reporting, 
Assessment companies, amount of insurance, 
Fraternals, number reporting, . 
Fraternals, amount of insurance, 
Agents and brokers, licensed and registered, 
Official letters written, pages, 



2,451,025 

$2,586,833,026 

12,574,338,031 

27 

$655,336,843 

74 

$34,440,000 

5,993 

1,230 



8,673,787 

$6,395,635,455 

17,741,429,891 

30 

$1,373,392,068 

273 

$1,298,815,500 

16,600 

4,884 



254 

160 

42 

11 

110 

270 

3,600 

190 

300 



Average increase, 



548 per cent. 



It will be seen that, even omitting the extraordinary item 
of amount of insurance reported by the fraternal corporations, 
the average increase is 167 per cent. With this presentation 
of facts in regard to the increase of the work and the accepted 
facts in regard to the standing of the Department, it is again 
modestly suggested that there would seem to be no reason w T hy 
the salary of the Insurance Commissioner of Massachusetts 
should not be equal to that of the Superintendent of Insurance 
of the State of New York. 

The statute of last year in relation to closing the affairs of 
the small fraternal beneficiary corporations, owing to relaxing 
amendments made during its consideration, has resulted in 
winding up but ten of these corporations. There remain, not 
enumerating some thirty police and firemen's relief associa- 
tions, necessarily small, over one hundred of these corporations 
with less than one hundred and fifty members each, and nearly 
one-half have less than fifty each. It cannot be shown that the 
existence of such number of weaklings is of possible advantage 
to the people of the Commonwealth. 

Kespectfully submitted, 

GEO. S. MEREILL, 

Insurance Commissioner. 



442 report of the 

New Insurance Statutes. 
The following acts, in addition to those printed in the last 
report, were passed by the Legislature of 1895 and 1896, and 
are hereby published for information : — 

[Acts of 1895 subsequent to those published in last Fire Report.] 

[Chap. 366.] 

An Act relative to the issuing of life insurance policies with- 
out PREVIOUS MEDICAL EXAMINATION. 

Section 1. No life insurance company organized under the laws 
of or doing business in this Commonwealth shall enter into any con- 
tract of insurance upon lives within this Commonwealth without 
having previously made or caused to be made a prescribed medical 
examination of the insured by a registered medical practitioner. 

Sect. 2. Any insurance company violating the provisions of this 
act, or any officer, agent or other person soliciting or effecting, or 
attempting to effect, a contract of insurance contrary to the provi- 
sions hereof, shall be deemed guilty of a misdemeanor and shall be 
punished by a fine not exceeding one hundred dollars for each offence. 

Sect. 3. This act shall take effect on the first day of September in 
the year eighteen hundred and ninety-five. [Approved May 9, 1895. 



[Chap. 403.] 

An Act to authorize the supreme council American legion of 
honor to hold its meetings without the commonwealth. 

Section 1. The Supreme Council American Legion of Honor 
may hold its meetings in any state wherein a council of said corpora- 
tion is established ; and its acts at such meetings shall have the same 
effect as if done within the Commonwealth. 

Sect. 2. This act shall take effect upon its passage. [Approved 
May 21, 1895. 

[Chap. 474.] 

An Act providing for certain classes of property insurance. 

Section 1. Section twenty-nine of chapter five hundred and 
twenty-two of the acts of the year eighteen hundred and ninety-four 
is hereby amended by adding at the end of said section, the following 
words : — 

Seventh, To insure against loss or damage by water to any goods 
or premises arising from the breakage or leakage of sprinklers and 
water pipes. 



INSURANCE COMMISSIONER. 443 

Eighth, To insure against loss or damage to property arising from 
accidents to elevators, bicycles and vehicles, except rolling stock of 
railways, — so as to read as follows: — Section 29. Insurance com- 
panies may be formed as provided in section thirty for any one of 
the following purposes, to wit : — 

First, To insure against loss or damage to property by fire, light- 
ning, or tempest on land, upon the stock or mutual plan. 

Second, To insure upon the stock or mutual plan, vessels, freights, 
goods, money, effects, and money lent on bottomry or respondentia, 
against the perils of the sea and other perils usually insured against 
by marine insurance, including risks of inland navigation and trans- 
portation. 

Third, To guarantee the fidelity of persons in positions of trust, 
private or public, and to act as surety on official bonds and for the 
performance of other obligations. 

Fourth, To insure against loss or damage to property of the 
assured, or loss or damage to the life, person or property of another 
for which the assured is liable, caused by the explosion of steam 
boilers. 

Fifth, To insure any person against bodily injury or death by 
accident, or any person, firm or corporation against loss or damage 
on account of the bodily injury or death by accident of any person 
for which loss or damage said person, firm or corporation is respon- 
sible. 

Sixth, To insure against the breakage of plate glass, local or in 
transit. 

Seventh, To insure against loss or damage by water to any goods 
or premises arising from the breakage or leakage of sprinklers and 
water pipes. 

Eighth, To insure against loss or damage to property arising from 
ac